(145,36,1,'','2019-04-03 13:34:20',915,5356,'dcfa81ace1551fb0e87eae6cd334607cd9d70594','{\"id\":36,\"asset_id\":141,\"title\":\"Consumer Rights\",\"alias\":\"consumer-rights\",\"introtext\":\"<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/NCR+KNOW+YOUR+CREDIT_POSTER+REVISION.compressed.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Know your credit status<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=86&amp;catid=2&amp;Itemid=431\\\">As a South African Consumer,you have the right to:<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/ENGLISH.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">All you need to know about the <strong>National Credit<\\/strong> Act as a <strong>consumer<\\/strong><\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p><strong>Brochures<\\/strong><\\/p>\\r\\n<p><strong><img src=\\\"images\\/brochure1.jpg\\\" alt=\\\"\\\" width=\\\"76\\\" height=\\\"155\\\" \\/><\\/strong><\\/p>\\r\\n<p>Please choose language:<\\/p>\\r\\n<!--<ul>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR+Information+brochure+english.pdf\\\" target=\\\"_blank\\\">English<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/Afrikaans+brochure.compressed.pdf\\\" target=\\\"_blank\\\">Afrikaans<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR+Brochure_swati.pdf\\\" target=\\\"_blank\\\">Swati<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/Ndebele-Brochure.pdf\\\" target=\\\"_blank\\\">Ndebele<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR+Sesotho+Information+brochure.pdf\\\" target=\\\"_blank\\\">Sesotho<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR+Northern+Sotho+brochure.pdf\\\" target=\\\"_blank\\\">Northern Sotho<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/Tswana-Brochure.pdf\\\" target=\\\"_blank\\\">Setswana<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/Venda+brochure.pdf\\\" target=\\\"_blank\\\">Venda<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR+Brochure_Xhosa.pdf\\\" target=\\\"_blank\\\">Xhosa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR+Brochure_Xitshonga.pdf\\\" target=\\\"_blank\\\">Xitsonga<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR+Brochure_Zulu.pdf\\\" target=\\\"_blank\\\">Zulu<\\/a><\\/li>\\r\\n<\\/ul>-->\\r\\n<table border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"10\\\" cellpadding=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Brochures\\/NCR+Information+brochure+english.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">English<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/Brochures\\/Afrikaans+brochure.compressed.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Afrikaans<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/Brochures\\/NCR+Brochure_swati.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Swati<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/Brochures\\/Ndebele-Brochure.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Ndebele<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/Brochures\\/NCR+Sesotho+Information+brochure.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sesotho<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Brochures\\/NCR+Northern+Sotho+brochure.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Northern Sotho<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/Brochures\\/Tswana-Brochure.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Setswana<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/Brochures\\/Venda+brochure.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Venda<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/Brochures\\/NCR+Brochure_Xhosa.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xhosa<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/Brochures\\/NCR+Brochure_Xitshonga.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xitsonga<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Brochures\\/NCR+Brochure_Zulu.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Zulu<\\/a><\\/td>\\r\\n<td colspan=\\\"4\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"15\",\"created\":\"2019-04-03 13:34:20\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-04-03 13:34:20\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-04-03 13:34:20\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(146,36,1,'','2019-04-03 13:39:06',915,5355,'03ba604090d5b2032a0b80b33ba3786df0431315','{\"id\":36,\"asset_id\":\"141\",\"title\":\"Consumer Rights\",\"alias\":\"consumer-rights\",\"introtext\":\"<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/NCR+KNOW+YOUR+CREDIT_POSTER+REVISION.compressed.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Know your credit status<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=86&amp;catid=2&amp;Itemid=431\\\">As a South African Consumer,you have the right to:<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/ENGLISH.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">All you need to know about the <strong>National Credit<\\/strong> Act as a <strong>consumer<\\/strong><\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Brochures<\\/strong><\\/p>\\r\\n<p><strong><img src=\\\"images\\/brochure1.jpg\\\" alt=\\\"\\\" width=\\\"76\\\" height=\\\"155\\\" \\/><\\/strong><\\/p>\\r\\n<p>Please choose language:<\\/p>\\r\\n<!--<ul>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR+Information+brochure+english.pdf\\\" target=\\\"_blank\\\">English<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/Afrikaans+brochure.compressed.pdf\\\" target=\\\"_blank\\\">Afrikaans<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR+Brochure_swati.pdf\\\" target=\\\"_blank\\\">Swati<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/Ndebele-Brochure.pdf\\\" target=\\\"_blank\\\">Ndebele<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR+Sesotho+Information+brochure.pdf\\\" target=\\\"_blank\\\">Sesotho<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR+Northern+Sotho+brochure.pdf\\\" target=\\\"_blank\\\">Northern Sotho<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/Tswana-Brochure.pdf\\\" target=\\\"_blank\\\">Setswana<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/Venda+brochure.pdf\\\" target=\\\"_blank\\\">Venda<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR+Brochure_Xhosa.pdf\\\" target=\\\"_blank\\\">Xhosa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR+Brochure_Xitshonga.pdf\\\" target=\\\"_blank\\\">Xitsonga<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR+Brochure_Zulu.pdf\\\" target=\\\"_blank\\\">Zulu<\\/a><\\/li>\\r\\n<\\/ul>-->\\r\\n<table border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Brochures\\/NCR+Information+brochure+english.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">English<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/Brochures\\/Afrikaans+brochure.compressed.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Afrikaans<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/Brochures\\/NCR+Brochure_swati.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Swati<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/Brochures\\/Ndebele-Brochure.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Ndebele<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/Brochures\\/NCR+Sesotho+Information+brochure.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sesotho<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Brochures\\/NCR+Northern+Sotho+brochure.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Northern Sotho<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/Brochures\\/Tswana-Brochure.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Setswana<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/Brochures\\/Venda+brochure.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Venda<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/Brochures\\/NCR+Brochure_Xhosa.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xhosa<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/Brochures\\/NCR+Brochure_Xitshonga.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xitsonga<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Brochures\\/NCR+Brochure_Zulu.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Zulu<\\/a><\\/td>\\r\\n<td colspan=\\\"4\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"15\",\"created\":\"2019-04-03 13:34:20\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-04-03 13:39:06\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-04-03 13:38:37\",\"publish_up\":\"2019-04-03 13:34:20\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"1\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(147,36,1,'','2019-04-04 13:24:04',915,5418,'1541c657409bd283784be2182703487dd22cb116','{\"id\":36,\"asset_id\":\"141\",\"title\":\"Consumer Rights\",\"alias\":\"consumer-rights\",\"introtext\":\"<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/NCR+KNOW+YOUR+CREDIT_POSTER+REVISION.compressed.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Know your credit status<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=86&amp;catid=2&amp;Itemid=431\\\">As a South African Consumer,you have the right to:<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/ENGLISH.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">All you need to know about the <strong>National Credit<\\/strong> Act as a <strong>consumer<\\/strong><\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Brochures<\\/strong><\\/p>\\r\\n<p><strong><img src=\\\"images\\/brochure1.jpg\\\" alt=\\\"\\\" width=\\\"76\\\" height=\\\"155\\\" \\/><\\/strong><\\/p>\\r\\n<p>Please choose language:<\\/p>\\r\\n<!--<ul>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR+Information+brochure+english.pdf\\\" target=\\\"_blank\\\">English<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/Afrikaans+brochure.compressed.pdf\\\" target=\\\"_blank\\\">Afrikaans<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR+Brochure_swati.pdf\\\" target=\\\"_blank\\\">Swati<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/Ndebele-Brochure.pdf\\\" target=\\\"_blank\\\">Ndebele<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR+Sesotho+Information+brochure.pdf\\\" target=\\\"_blank\\\">Sesotho<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR+Northern+Sotho+brochure.pdf\\\" target=\\\"_blank\\\">Northern Sotho<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/Tswana-Brochure.pdf\\\" target=\\\"_blank\\\">Setswana<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/Venda+brochure.pdf\\\" target=\\\"_blank\\\">Venda<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR+Brochure_Xhosa.pdf\\\" target=\\\"_blank\\\">Xhosa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR+Brochure_Xitshonga.pdf\\\" target=\\\"_blank\\\">Xitsonga<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR+Brochure_Zulu.pdf\\\" target=\\\"_blank\\\">Zulu<\\/a><\\/li>\\r\\n<\\/ul>-->\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td><a href=\\\"documents\\/Brochures\\/NCR+Information+brochure+english.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">English<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/Brochures\\/Afrikaans+brochure.compressed.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Afrikaans<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/Brochures\\/NCR+Brochure_swati.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Swati<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/Brochures\\/Ndebele-Brochure.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Ndebele<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/Brochures\\/NCR+Sesotho+Information+brochure.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sesotho<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Brochures\\/NCR+Northern+Sotho+brochure.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Northern Sotho<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/Brochures\\/Tswana-Brochure.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Setswana<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/Brochures\\/Venda+brochure.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Venda<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/Brochures\\/NCR+Brochure_Xhosa.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xhosa<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/Brochures\\/NCR+Brochure_Xitshonga.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xitsonga<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Brochures\\/NCR+Brochure_Zulu.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Zulu<\\/a><\\/td>\\r\\n<td colspan=\\\"4\\\">\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"15\",\"created\":\"2019-04-03 13:34:20\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-04-04 13:24:04\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-04-04 13:22:57\",\"publish_up\":\"2019-04-03 13:34:20\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":3,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"6\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(150,26,1,'','2019-04-04 13:40:22',915,12119,'24f601640f7feb3257502eae3c30ba78f0c71515','{\"id\":26,\"asset_id\":\"129\",\"title\":\"Useful contacts\",\"alias\":\"useful-contacts\",\"introtext\":\"<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>WHO TO CONTACT WHEN YOU NEED ASSISTANCE OR ADVISE FOR PROBLEMS RELATED TO:<\\/strong><\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><b>COMPLAINTS<\\/b><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>Ordinary\\u00a0complaints\\u00a0about Credit Providers\\u00a0and\\u00a0Bureaus<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 44px;\\\" width=\\\"626\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Email<\\/td>\\r\\n<td>: complaints@ncr.org.za<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 087 234 7822<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<strong>For 3rd parties complaints on behalf of the consumers, please \\u00a0<a href=\\\"documents\\/written consent regulation.docx\\\">click here<\\/a><\\/strong><\\/p>\\r\\n<p><span style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/span><strong>Complaints\\/Commendations\\u00a0about\\u00a0poor\\/good\\u00a0service\\u00a0delivery\\u00a0by\\u00a0NCR\\u00a0personnel<\\/strong><\\/p>\\r\\n<table style=\\\"height: 23px;\\\" width=\\\"558\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><span style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"mailto:\\\">\\u00a0<\\/a><\\/span><\\/p>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>CREDIT RELATED MATTERS AND DEBT COUNSELLING\\u00a0<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The National Credit Regulator<\\/strong><\\/p>\\r\\n<table style=\\\"height: 107px;\\\" width=\\\"994\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 554 2600 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 011 805 4905<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@ncr.org.za\\\">info@ncr.org.za<\\/a><span style=\\\"line-height: 1.3em;\\\">\\u00a0<\\/span>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td><span style=\\\"line-height: 1.3em;\\\">: PO Box 209, Halfway House, 1685<\\/span>\\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">To\\u00a0request a workshop please forward an email with details to\\u00a0<a href=\\\"mailto:workshops@ncr.org.za\\\">workshops@ncr.org.za<\\/a>\\u00a0<\\/p>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>CONSUMER PRODUCTS AND SERVICES<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The National Consumer Commission<\\/strong><\\/p>\\r\\n<table style=\\\"height: 107px;\\\" width=\\\"494\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 086 026 6786<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 086 151 5229<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:NNetshitomboni@thencc.co.za\\\">NNetshitomboni@thencc.co.za<\\/a><span style=\\\"line-height: 1.3em;\\\">\\u00a0<\\/span><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: Private Bag x84, Pretoria\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:<strong style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/strong><a href=\\\"http:\\/\\/www.nccsa.org.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.nccsa.org.za<\\/a>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>BANKING -\\u00a0The Ombudsman for Banking Services<\\/strong><\\/h4>\\r\\n<table style=\\\"height: 128px;\\\" width=\\\"589\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Sharecall<\\/td>\\r\\n<td>: 086 080 0900\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 838 0035\\/38\\/39\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 011 838 0043\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@obssa.co.za\\\">info@obssa.co.za<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: PO Box 6728, JOHANNESBURG, 2000\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.obssa.co.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.obssa.co.za<\\/a>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>CREDIT BUREAU AND NON-BANK FINANCIAL SERVICES<\\/strong>\\u00a0<\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Credit Information Ombud\\u00a0<\\/strong><\\/p>\\r\\n<table style=\\\"height: 107px;\\\" width=\\\"733\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Call centre<\\/td>\\r\\n<td>: 086 166 2837\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 781 6431<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:ombud@creditombud.org.za\\\">ombud@creditombud.org.za<\\/a>\\u00a0 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: Postnet Suite 444, Private Bag 1, JUKSKEI PARK, 2153\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.creditombud.org.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.creditombud.org.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>FINANCIAL ADVICE<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Office of the Ombud for Financial Services Providers\\u00a0<\\/strong><\\/p>\\r\\n<table style=\\\"height: 128px;\\\" width=\\\"559\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Sharecall<\\/td>\\r\\n<td>: 086 032 4766<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 012 470 9080 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 012 348 3447<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@faisombud.co.za\\\">info@faisombud.co.za<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: PO Box 74571, Lynwoodridge, 0040<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.faisombud.co.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.faisombud.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>INVESTMENTS<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Financial Services Board\\u00a0<\\/strong><\\/p>\\r\\n<table style=\\\"height: 128px;\\\" width=\\\"526\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Toll-free<\\/td>\\r\\n<td>080 011 0443 \\/ 080 020 2087<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>012 428 8000<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>012 347 0211<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>info@fsb.co.za<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>PO Box 35655, Menlo Park, 0102<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td><strong style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/strong><a href=\\\"http:\\/\\/www.fsb.co.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.fsb.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>LIFE ASSURANCE\\u00a0<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>Ombudsman for Long-term Insurance.<\\/strong><\\/p>\\r\\n<table style=\\\"height: 128px;\\\" width=\\\"544\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Sharecall<\\/td>\\r\\n<td>086 066 2837<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>021 657 5000 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>021 674 0951 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td><a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@ombud.co.za\\\">info@ombud.co.za<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>Private Bag X45, Claremont, 7735<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>MEDICAL SCHEME<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Council for Medical Schemes\\u00a0<\\/strong><\\/p>\\r\\n<table style=\\\"height: 128px;\\\" width=\\\"539\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Sharecall<\\/td>\\r\\n<td>: 086 112 3267<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 012 431 0500 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 012 431 0560 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:support@medicalschemes.com\\\">support@medicalschemes.com<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: Private Bag X34, Hatfield, 0028<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>PENSION FUND<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Pension Funds Adjudicator\\u00a0<\\/strong><\\/p>\\r\\n<table style=\\\"height: 107px;\\\" width=\\\"542\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 884 8454<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 011 884 1144\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>: enquiries-jhb@<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: PO Box 651826, Benmore, 2010<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.pfa.org.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.pfa.org.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>SHORT-TERM INSURANCE<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Ombudsman for Short-term Insurance\\u00a0<\\/strong><\\/p>\\r\\n<table style=\\\"height: 107px;\\\" width=\\\"555\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Sharecall<\\/td>\\r\\n<td>: 086 072 6890<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 726 8900\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 011 726 5501<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@osti.co.za\\\">info@osti.co.za<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: PO Box 32334, Braamfontein, 2017\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.osti.co.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.osti.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"18\",\"created\":\"2019-04-02 11:57:29\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-04-04 13:40:22\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-04-04 13:39:49\",\"publish_up\":\"2019-04-02 11:57:29\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":5,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"9\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(151,26,1,'','2019-04-04 13:42:16',915,12228,'36453690c58523c2612dbd9499dd856fd601b81e','{\"id\":26,\"asset_id\":\"129\",\"title\":\"Useful contacts\",\"alias\":\"useful-contacts\",\"introtext\":\"<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>WHO TO CONTACT WHEN YOU NEED ASSISTANCE OR ADVISE FOR PROBLEMS RELATED TO:<\\/strong><\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><b>COMPLAINTS<\\/b><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>Ordinary\\u00a0complaints\\u00a0about Credit Providers\\u00a0and\\u00a0Bureaus<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 44px;\\\" width=\\\"626\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Email<\\/td>\\r\\n<td>: complaints@ncr.org.za<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 087 234 7822<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<strong>For 3rd parties complaints on behalf of the consumers, please \\u00a0<a href=\\\"documents\\/written consent regulation.docx\\\">click here<\\/a><\\/strong><\\/p>\\r\\n<p><span style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/span><strong>Complaints\\/Commendations\\u00a0about\\u00a0poor\\/good\\u00a0service\\u00a0delivery\\u00a0by\\u00a0NCR\\u00a0personnel<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 23px;\\\" width=\\\"558\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Email<\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><span style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"mailto:\\\">\\u00a0<\\/a><\\/span><\\/p>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>CREDIT RELATED MATTERS AND DEBT COUNSELLING\\u00a0<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The National Credit Regulator<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 107px;\\\" width=\\\"994\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 554 2600 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 011 805 4905<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@ncr.org.za\\\">info@ncr.org.za<\\/a><span style=\\\"line-height: 1.3em;\\\">\\u00a0<\\/span>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td><span style=\\\"line-height: 1.3em;\\\">: PO Box 209, Halfway House, 1685<\\/span>\\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">To\\u00a0request a workshop please forward an email with details to\\u00a0<a href=\\\"mailto:workshops@ncr.org.za\\\">workshops@ncr.org.za<\\/a>\\u00a0<\\/p>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>CONSUMER PRODUCTS AND SERVICES<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The National Consumer Commission<\\/strong><\\/p>\\r\\n<table style=\\\"height: 107px;\\\" width=\\\"494\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 086 026 6786<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 086 151 5229<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:NNetshitomboni@thencc.co.za\\\">NNetshitomboni@thencc.co.za<\\/a><span style=\\\"line-height: 1.3em;\\\">\\u00a0<\\/span><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: Private Bag x84, Pretoria\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:<strong style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/strong><a href=\\\"http:\\/\\/www.nccsa.org.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.nccsa.org.za<\\/a>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>BANKING -\\u00a0The Ombudsman for Banking Services<\\/strong><\\/h4>\\r\\n<table style=\\\"height: 128px;\\\" width=\\\"589\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Sharecall<\\/td>\\r\\n<td>: 086 080 0900\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 838 0035\\/38\\/39\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 011 838 0043\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@obssa.co.za\\\">info@obssa.co.za<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: PO Box 6728, JOHANNESBURG, 2000\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.obssa.co.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.obssa.co.za<\\/a>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>CREDIT BUREAU AND NON-BANK FINANCIAL SERVICES<\\/strong>\\u00a0<\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Credit Information Ombud\\u00a0<\\/strong><\\/p>\\r\\n<table style=\\\"height: 107px;\\\" width=\\\"733\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Call centre<\\/td>\\r\\n<td>: 086 166 2837\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 781 6431<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:ombud@creditombud.org.za\\\">ombud@creditombud.org.za<\\/a>\\u00a0 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: Postnet Suite 444, Private Bag 1, JUKSKEI PARK, 2153\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.creditombud.org.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.creditombud.org.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>FINANCIAL ADVICE<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Office of the Ombud for Financial Services Providers\\u00a0<\\/strong><\\/p>\\r\\n<table style=\\\"height: 128px;\\\" width=\\\"559\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Sharecall<\\/td>\\r\\n<td>: 086 032 4766<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 012 470 9080 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 012 348 3447<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@faisombud.co.za\\\">info@faisombud.co.za<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: PO Box 74571, Lynwoodridge, 0040<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.faisombud.co.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.faisombud.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>INVESTMENTS<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Financial Services Board\\u00a0<\\/strong><\\/p>\\r\\n<table style=\\\"height: 128px;\\\" width=\\\"526\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Toll-free<\\/td>\\r\\n<td>080 011 0443 \\/ 080 020 2087<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>012 428 8000<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>012 347 0211<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>info@fsb.co.za<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>PO Box 35655, Menlo Park, 0102<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td><strong style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/strong><a href=\\\"http:\\/\\/www.fsb.co.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.fsb.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>LIFE ASSURANCE\\u00a0<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>Ombudsman for Long-term Insurance.<\\/strong><\\/p>\\r\\n<table style=\\\"height: 128px;\\\" width=\\\"544\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Sharecall<\\/td>\\r\\n<td>086 066 2837<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>021 657 5000 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>021 674 0951 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td><a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@ombud.co.za\\\">info@ombud.co.za<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>Private Bag X45, Claremont, 7735<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>MEDICAL SCHEME<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Council for Medical Schemes\\u00a0<\\/strong><\\/p>\\r\\n<table style=\\\"height: 128px;\\\" width=\\\"539\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Sharecall<\\/td>\\r\\n<td>: 086 112 3267<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 012 431 0500 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 012 431 0560 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:support@medicalschemes.com\\\">support@medicalschemes.com<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: Private Bag X34, Hatfield, 0028<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>PENSION FUND<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Pension Funds Adjudicator\\u00a0<\\/strong><\\/p>\\r\\n<table style=\\\"height: 107px;\\\" width=\\\"542\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 884 8454<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 011 884 1144\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>: enquiries-jhb@<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: PO Box 651826, Benmore, 2010<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.pfa.org.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.pfa.org.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>SHORT-TERM INSURANCE<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Ombudsman for Short-term Insurance\\u00a0<\\/strong><\\/p>\\r\\n<table style=\\\"height: 107px;\\\" width=\\\"555\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Sharecall<\\/td>\\r\\n<td>: 086 072 6890<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 726 8900\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 011 726 5501<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@osti.co.za\\\">info@osti.co.za<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: PO Box 32334, Braamfontein, 2017\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.osti.co.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.osti.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"18\",\"created\":\"2019-04-02 11:57:29\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-04-04 13:42:16\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-04-04 13:40:22\",\"publish_up\":\"2019-04-02 11:57:29\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":6,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"10\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(152,26,1,'','2019-04-04 13:45:41',915,12813,'a3fcf80b503c99e03f812951160fde516921362b','{\"id\":26,\"asset_id\":\"129\",\"title\":\"Useful contacts\",\"alias\":\"useful-contacts\",\"introtext\":\"<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>WHO TO CONTACT WHEN YOU NEED ASSISTANCE OR ADVISE FOR PROBLEMS RELATED TO:<\\/strong><\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><b>COMPLAINTS<\\/b><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>Ordinary\\u00a0complaints\\u00a0about Credit Providers\\u00a0and\\u00a0Bureaus<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 44px;\\\" width=\\\"626\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Email<\\/td>\\r\\n<td>: complaints@ncr.org.za<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 087 234 7822<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<strong>For 3rd parties complaints on behalf of the consumers, please \\u00a0<a href=\\\"documents\\/written consent regulation.docx\\\">click here<\\/a><\\/strong><\\/p>\\r\\n<p><span style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/span><strong>Complaints\\/Commendations\\u00a0about\\u00a0poor\\/good\\u00a0service\\u00a0delivery\\u00a0by\\u00a0NCR\\u00a0personnel<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 23px;\\\" width=\\\"558\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Email<\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><span style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"mailto:\\\">\\u00a0<\\/a><\\/span><\\/p>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>CREDIT RELATED MATTERS AND DEBT COUNSELLING\\u00a0<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The National Credit Regulator<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 107px;\\\" width=\\\"994\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 554 2600 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 011 805 4905<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@ncr.org.za\\\">info@ncr.org.za<\\/a><span style=\\\"line-height: 1.3em;\\\">\\u00a0<\\/span>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td><span style=\\\"line-height: 1.3em;\\\">: PO Box 209, Halfway House, 1685<\\/span>\\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">To\\u00a0request a workshop please forward an email with details to\\u00a0<a href=\\\"mailto:workshops@ncr.org.za\\\">workshops@ncr.org.za<\\/a>\\u00a0<\\/p>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>CONSUMER PRODUCTS AND SERVICES<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The National Consumer Commission<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 107px;\\\" width=\\\"494\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 086 026 6786<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 086 151 5229<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:NNetshitomboni@thencc.co.za\\\">NNetshitomboni@thencc.co.za<\\/a><span style=\\\"line-height: 1.3em;\\\">\\u00a0<\\/span><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: Private Bag x84, Pretoria\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:<strong style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/strong><a href=\\\"http:\\/\\/www.nccsa.org.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.nccsa.org.za<\\/a>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>BANKING -\\u00a0The Ombudsman for Banking Services<\\/strong><\\/h4>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 128px;\\\" width=\\\"589\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Sharecall<\\/td>\\r\\n<td>: 086 080 0900\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 838 0035\\/38\\/39\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 011 838 0043\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@obssa.co.za\\\">info@obssa.co.za<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: PO Box 6728, JOHANNESBURG, 2000\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.obssa.co.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.obssa.co.za<\\/a>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>CREDIT BUREAU AND NON-BANK FINANCIAL SERVICES<\\/strong>\\u00a0<\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Credit Information Ombud\\u00a0<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 107px;\\\" width=\\\"733\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Call centre<\\/td>\\r\\n<td>: 086 166 2837\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 781 6431<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:ombud@creditombud.org.za\\\">ombud@creditombud.org.za<\\/a>\\u00a0 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: Postnet Suite 444, Private Bag 1, JUKSKEI PARK, 2153\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.creditombud.org.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.creditombud.org.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>FINANCIAL ADVICE<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Office of the Ombud for Financial Services Providers\\u00a0<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 128px;\\\" width=\\\"559\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Sharecall<\\/td>\\r\\n<td>: 086 032 4766<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 012 470 9080 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 012 348 3447<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@faisombud.co.za\\\">info@faisombud.co.za<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: PO Box 74571, Lynwoodridge, 0040<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.faisombud.co.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.faisombud.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>INVESTMENTS<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Financial Services Board\\u00a0<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 128px;\\\" width=\\\"526\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Toll-free<\\/td>\\r\\n<td>080 011 0443 \\/ 080 020 2087<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>012 428 8000<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>012 347 0211<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>info@fsb.co.za<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>PO Box 35655, Menlo Park, 0102<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td><strong style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/strong><a href=\\\"http:\\/\\/www.fsb.co.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.fsb.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>LIFE ASSURANCE\\u00a0<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>Ombudsman for Long-term Insurance.<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 128px;\\\" width=\\\"544\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Sharecall<\\/td>\\r\\n<td>086 066 2837<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>021 657 5000 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>021 674 0951 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td><a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@ombud.co.za\\\">info@ombud.co.za<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>Private Bag X45, Claremont, 7735<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>MEDICAL SCHEME<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Council for Medical Schemes\\u00a0<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 128px;\\\" width=\\\"539\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Sharecall<\\/td>\\r\\n<td>: 086 112 3267<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 012 431 0500 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 012 431 0560 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:support@medicalschemes.com\\\">support@medicalschemes.com<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: Private Bag X34, Hatfield, 0028<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>PENSION FUND<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Pension Funds Adjudicator\\u00a0<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 107px;\\\" width=\\\"542\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 884 8454<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 011 884 1144\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>: enquiries-jhb@<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: PO Box 651826, Benmore, 2010<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.pfa.org.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.pfa.org.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>SHORT-TERM INSURANCE<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Ombudsman for Short-term Insurance\\u00a0<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 107px;\\\" width=\\\"555\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Sharecall<\\/td>\\r\\n<td>: 086 072 6890<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 726 8900\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 011 726 5501<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@osti.co.za\\\">info@osti.co.za<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: PO Box 32334, Braamfontein, 2017\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.osti.co.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.osti.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"18\",\"created\":\"2019-04-02 11:57:29\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-04-04 13:45:41\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-04-04 13:42:16\",\"publish_up\":\"2019-04-02 11:57:29\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":7,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"11\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(153,37,1,'','2019-04-04 13:47:36',915,2821,'67ceb02402f8297b589f322d204f54d472b57b72','{\"id\":37,\"asset_id\":142,\"title\":\"Consumer Tips\",\"alias\":\"consumer-tips\",\"introtext\":\"<p><a href=\\\"documents\\/complaints_processs.pdf\\\"><img src=\\\"images\\/complaint_process.png\\\" alt=\\\"\\\" width=\\\"700\\\" \\/><\\/a><\\/p>\\r\\n<p><br \\/><br \\/><\\/p>\\r\\n<p><a style=\\\"line-height: 15.8079996109009px;\\\" href=\\\"newsletters\\/01\\/MAMA%20SIZA.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"display: block; margin-left: auto; margin-right: auto;\\\" src=\\\"images\\/MAMA-SIZA_002.jpg\\\" alt=\\\"\\\" width=\\\"524\\\" height=\\\"741\\\" \\/><\\/a><\\/p>\\r\\n<p><img style=\\\"display: block; margin-left: auto; margin-right: auto;\\\" src=\\\"images\\/A4-ads-1.jpg\\\" alt=\\\"\\\" \\/><\\/p>\\r\\n<p><img style=\\\"display: block; margin-left: auto; margin-right: auto;\\\" src=\\\"images\\/A4-ads-2.jpg\\\" alt=\\\"\\\" \\/><\\/p>\\r\\n<p><img style=\\\"display: block; margin-left: auto; margin-right: auto;\\\" src=\\\"images\\/A4-ads-3.jpg\\\" alt=\\\"\\\" \\/><\\/p>\\r\\n<p><img style=\\\"display: block; margin-left: auto; margin-right: auto;\\\" src=\\\"images\\/A4-ads-4.jpg\\\" alt=\\\"\\\" \\/><\\/p>\\r\\n<p><img style=\\\"display: block; margin-left: auto; margin-right: auto;\\\" src=\\\"images\\/A4-ads-5.jpg\\\" alt=\\\"\\\" \\/><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"15\",\"created\":\"2019-04-04 13:47:36\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-04-04 13:47:36\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-04-04 13:47:36\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(155,38,1,'','2019-04-09 13:33:43',915,2208,'877854e9eeaee19d85b88700e3e291aa95b42a52','{\"id\":38,\"asset_id\":143,\"title\":\"Get Help\",\"alias\":\"get-help\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=22\\\">Over-Indebtedness<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=23\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Consumer Assistance<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"15\",\"created\":\"2019-04-09 13:33:43\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-04-09 13:33:43\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-04-09 13:33:43\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(156,38,1,'','2019-04-09 13:36:39',915,2181,'481c501f3393aabbf8573ff45493c182a8f862b0','{\"id\":38,\"asset_id\":\"143\",\"title\":\"Get Help\",\"alias\":\"get-help\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=22\\\">Over-Indebtedness<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=23\\\">Consumer Assistance<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"15\",\"created\":\"2019-04-09 13:33:43\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-04-09 13:36:39\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-04-09 13:36:28\",\"publish_up\":\"2019-04-09 13:33:43\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"4\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(158,23,5,'','2019-04-11 09:27:05',915,557,'a4d6133d6622ee77350f27aa864886aed298b6e4','{\"id\":23,\"asset_id\":145,\"parent_id\":\"1\",\"lft\":\"41\",\"rgt\":42,\"level\":1,\"path\":null,\"extension\":\"com_content\",\"title\":\"Procument\",\"alias\":\"procument\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":null,\"checked_out_time\":null,\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2019-04-11 09:27:05\",\"modified_user_id\":null,\"modified_time\":\"2019-04-11 09:27:05\",\"hits\":\"0\",\"language\":\"*\",\"version\":null}',0),(159,39,1,'','2019-04-11 09:28:11',915,1893,'30fb2f8779fe8151f0d272e1ac4a713da97bdb9e','{\"id\":39,\"asset_id\":146,\"title\":\"NCR BBBEE Certificate\",\"alias\":\"ncr-bbbee-certificate\",\"introtext\":\"<p><a href=\\\"documents\\/NCR BEE Certificate HRGEN137317 Final.pdf\\\">Click here<\\/a> to view the NCR BBBEE CERTIFICATE<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"23\",\"created\":\"2019-04-11 09:28:11\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-04-11 09:28:11\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-04-11 09:28:11\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(160,24,5,'','2019-04-11 09:43:48',915,545,'ab93e57114ff3d8cd2b1d3381f3a5ef6650734e6','{\"id\":24,\"asset_id\":147,\"parent_id\":\"1\",\"lft\":\"43\",\"rgt\":44,\"level\":1,\"path\":null,\"extension\":\"com_content\",\"title\":\"ADR\",\"alias\":\"adr\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":null,\"checked_out_time\":null,\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2019-04-11 09:43:48\",\"modified_user_id\":null,\"modified_time\":\"2019-04-11 09:43:48\",\"hits\":\"0\",\"language\":\"*\",\"version\":null}',0),(161,24,5,'','2019-04-11 09:44:24',915,567,'62dc7616c588aba97eab5b161fd089af9353d204','{\"id\":24,\"asset_id\":\"147\",\"parent_id\":\"13\",\"lft\":\"22\",\"rgt\":23,\"level\":2,\"path\":\"adr\",\"extension\":\"com_content\",\"title\":\"ADR\",\"alias\":\"adr\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-04-11 09:44:16\",\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2019-04-11 09:43:48\",\"modified_user_id\":\"915\",\"modified_time\":\"2019-04-11 09:44:24\",\"hits\":\"0\",\"language\":\"*\",\"version\":\"1\"}',0),(162,40,1,'','2019-04-11 09:44:57',915,10448,'e87d940763dccb6946c67d0181d6aa9d7b944953','{\"id\":40,\"asset_id\":148,\"title\":\"Registration as an alternative dispute resolution agent (adr)\",\"alias\":\"registration-as-an-alternative-dispute-resolution-agent-adr\",\"introtext\":\"<p>REGISTRATION AS AN ALTERNATIVE DISPUTE RESOLUTION AGENT (ADR)<br \\/> <strong>Requirements for registering as an alternative dispute resolution agent as per Section 134A and regulation 4 of the <\\/strong><strong>National Credit Act 34 of 2005, as amended:<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>An application for registration as an alternative dispute resolution agent must contain:-<\\/li>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>an overview of an applicant\\u2019s capabilities and background in providing alternative dispute resolution services including a description of the applicant\\u2019s track record in handling the clerical aspects of the expedited alternative dispute resolution proceedings, if any;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>a list of names and qualifications of personnel providing alternative dispute resolution services, whom the applicant for alternative dispute resolution services proposes to include on its list of adjudicators;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>a description of the screening requirements the applicant for alternative dispute resolution services has used in selecting adjudicators to be included on its list; and<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>an indication whether it intends to make exclusive use of adjudicators who are residents or citizens of the Republic of South Africa;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>a description of training and educational measures the applicant for alternative dispute resolution services proposes to employ for listed adjudicators with respect to credit related disputes;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>a commitment by the National Credit Regulator not to prevent or discourage any of its adjudicators from serving as adjudicators for other providers;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>a proposed schedule for the alternative dispute resolution services, its programme for administering disputes under these Regulations, including a statement regarding the administrative capacity to manage disputes on a monthly basis.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<li>To be accredited as an alternative dispute resolution agent, an applicant must:-<\\/li>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>have a track record and a detailed plan for providing alternative dispute resolution services;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>propose a list of least five (5) highly qualified neutral persons from the public and private sectors that are experts in consumer law, credit law, commercial law, cultural, religious and personal rights who have agreed to serve as adjudicators;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>show how it shall ensure that the listed adjudicators are trained concerning these Regulations;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>state whether it intends to make exclusive use of adjudicators who are citizens or residents of the Republic of South Africa;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>indicate a familiarity with international and foreign jurisdictions accredited dispute resolution mechanisms and processes and indicate its plan to provide an international benchmark for a process that is unique to the Republic of South Africa;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>have a statement of any requested limitations on the number of disputes the alternative dispute resolution agent handles, either during a start-up period or on a permanent basis;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>have a description of how the alternative dispute resolution agent proposes to administer disputes including its interaction with the parties to the dispute, the National Credit Regulator and other approved providers;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>a description of how the alternative dispute resolution agent intends to publish decisions of adjudicators in disputes it administers and a commitment to provide the National Credit Regulator with copies of all decisions of adjudicators not published;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>show that both the alternative dispute resolution agent and its panel of adjudicators are representative of women, disabled and historically disadvantaged individuals where such representativeness is assessed in terms of the Codes of Good Practice for Broad Based Black Economic Empowerment, as such Codes may be amended from time to time.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<li><strong>Education<\\/strong>: The applicant or a person appointed to deal with disputes must meet the following requirements - \\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>A minimum Grade 12 certificate or equivalent Level 4 qualification issued by the South African Qualifications Authority (SAQA);<\\/li>\\r\\n<li>A three year degree; and<\\/li>\\r\\n<li>Must be trained on the National Credit Act, Consumer Protection Act and on the basic principles of the following areas:<\\/li>\\r\\n<ul>\\r\\n<li>Alternative dispute resolution;<\\/li>\\r\\n<li>Financial management;<\\/li>\\r\\n<li>Business management;<\\/li>\\r\\n<li>Governance &amp; compliance;<\\/li>\\r\\n<li>Customer service.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<li><strong>Experience and Competence: <\\/strong><\\/li>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>The nominated personnel and adjudicators must be experts in the following areas:<\\/li>\\r\\n<ul>\\r\\n<li>Consumer law;<\\/li>\\r\\n<li>Credit law;<\\/li>\\r\\n<li>Commercial law;<\\/li>\\r\\n<li>Cultural rights;<\\/li>\\r\\n<li>Religious rights; and<\\/li>\\r\\n<li>Personal rights.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>Must demonstrate the ability to:-<\\/li>\\r\\n<ul>\\r\\n<li>manage their own finances at the time of applying for registration;<\\/li>\\r\\n<li>provide mediation, conciliation or arbitration skills.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>A person who applies for registration as an alternative dispute resolution agent must not be engaged in:\\u2013<\\/li>\\r\\n<ul>\\r\\n<li>debt collection;<\\/li>\\r\\n<li>the operation of a credit bureau;<\\/li>\\r\\n<li>credit provision; or<\\/li>\\r\\n<li>the operations of a payment distribution agent.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<li><strong>A natural person may not be registered as an alternative dispute resolution agent.<\\/strong><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Documents and information required for the application for Registration as an alternative dispute resolution agent in terms of section 134A of the National Credit Act 34 of 2005, as amended:<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Completed and signed application form (Form 47);<\\/li>\\r\\n<li>Companies and Intellectual Property Commission\\u00a0 ( CIPC ) registration document or other official registration document;<\\/li>\\r\\n<li>Copy of the company\\u2019s share certificate (if applicable);<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all the members\\/directors\\/shareholders, adjudicators and nominated employee of the applicant;<\\/li>\\r\\n<li><a href=\\\"http:\\/\\/www.ncr.org.za\\/pdfs\\/registration\\/Resolution_specimen.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a> (specimen attached);<\\/li>\\r\\n<li>A Police Clearance Certificates for all the members\\/directors\\/shareholders, adjudicators and nominated employee of the applicant, issued by the South African Police Services (SAPS) or other service providers listed in the annexure attached hereto marked Annexure \\u201c<strong>A<\\/strong>\\u201d;<\\/li>\\r\\n<li>Proof of payment of the registration fees:<\\/li>\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550.00;<\\/li>\\r\\n<li>Initial registration fee of R20\\u00a0000.00;<\\/li>\\r\\n<li>Branch fee of R250.00 per location or premises;<\\/li>\\r\\n<\\/ul>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque<\\/li>\\r\\n<li>Auditor\\u2019s\\/accounting officer\\u2019s letter of appointment;<\\/li>\\r\\n<li>Copy of the tax clearance certificate issued by the South African Revenue Services;<\\/li>\\r\\n<li>A certified copy of the mediation, conciliation or arbitration certificate;<\\/li>\\r\\n<li>Copy of the applicant\\u2019s, nominated employee\\u2019s and adjudicator\\u2019s curriculum vitae (CV).<\\/li>\\r\\n<li>A certified copy of the applicant\\u2019s nominated employee\\u2019s and adjudicators\\u2019 highest qualification certificates.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email <a href=\\\"mailto:registrations@ncr.org.za\\\">registrations@ncr.org.za<\\/a><\\/em><\\/strong><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"24\",\"created\":\"2019-04-11 09:44:57\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-04-11 09:44:57\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-04-11 09:44:57\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(163,25,5,'','2019-04-11 10:01:22',915,546,'7b20713e295089116745adff1b0d4306d5c51675','{\"id\":25,\"asset_id\":149,\"parent_id\":\"13\",\"lft\":\"24\",\"rgt\":25,\"level\":2,\"path\":null,\"extension\":\"com_content\",\"title\":\"Pda\",\"alias\":\"pda\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":null,\"checked_out_time\":null,\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2019-04-11 10:01:22\",\"modified_user_id\":null,\"modified_time\":\"2019-04-11 10:01:22\",\"hits\":\"0\",\"language\":\"*\",\"version\":null}',0),(167,26,5,'','2019-04-11 10:16:52',915,570,'21b82dd9abb00ef1d8cc29d71a21c1354d3d4c94','{\"id\":26,\"asset_id\":151,\"parent_id\":\"13\",\"lft\":\"26\",\"rgt\":27,\"level\":2,\"path\":null,\"extension\":\"com_content\",\"title\":\"Debt Counsellor\",\"alias\":\"debt-counsellor\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":null,\"checked_out_time\":null,\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2019-04-11 10:16:52\",\"modified_user_id\":null,\"modified_time\":\"2019-04-11 10:16:52\",\"hits\":\"0\",\"language\":\"*\",\"version\":null}',0),(169,27,5,'','2019-04-11 10:43:38',915,570,'4359b0fc31942fbaa58d38b1a427f690e9fada92','{\"id\":27,\"asset_id\":153,\"parent_id\":\"13\",\"lft\":\"28\",\"rgt\":29,\"level\":2,\"path\":null,\"extension\":\"com_content\",\"title\":\"Credit Provider\",\"alias\":\"credit-provider\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":null,\"checked_out_time\":null,\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2019-04-11 10:43:38\",\"modified_user_id\":null,\"modified_time\":\"2019-04-11 10:43:38\",\"hits\":\"0\",\"language\":\"*\",\"version\":null}',0),(171,28,5,'','2019-04-11 12:46:33',915,566,'79a667b6a9639753a9b1a4476d7cfffe587172b0','{\"id\":28,\"asset_id\":155,\"parent_id\":\"13\",\"lft\":\"30\",\"rgt\":31,\"level\":2,\"path\":null,\"extension\":\"com_content\",\"title\":\"Credit Bureau\",\"alias\":\"credit-bureau\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":null,\"checked_out_time\":null,\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2019-04-11 12:46:33\",\"modified_user_id\":null,\"modified_time\":\"2019-04-11 12:46:33\",\"hits\":\"0\",\"language\":\"*\",\"version\":null}',0),(173,29,5,'','2019-04-11 13:18:33',915,584,'10c3ca1ced7afabba774d9d036f071584fd72865','{\"id\":29,\"asset_id\":157,\"parent_id\":\"13\",\"lft\":\"32\",\"rgt\":33,\"level\":2,\"path\":null,\"extension\":\"com_content\",\"title\":\"Reseller Credit Bureau\",\"alias\":\"reseller-credit-bureau\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":null,\"checked_out_time\":null,\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2019-04-11 13:18:33\",\"modified_user_id\":null,\"modified_time\":\"2019-04-11 13:18:33\",\"hits\":\"0\",\"language\":\"*\",\"version\":null}',0),(184,49,1,'','2019-04-17 12:42:51',915,2617,'d69b5b78a49d3d09e1435389c45c54d7622dcaa0','{\"id\":49,\"asset_id\":\"163\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul class=\\\"arrow-list\\\">\\r\\n<li><a href=\\\"documents\\/CP\\/Annexure Confirmation of payment of fees - CP 2017.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure Confirmation of payment of fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/CP\\/Preliminary Developmental credit guidelines.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Preliminary Developmental credit guidelines<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/CP\\/REGISTRATION AS A CREDIT PROVIDER.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">registration as a credit provider.docx<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/CP\\/Resolution pdf.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/CP\\/Service Provider List.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Service Provider List<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"27\",\"created\":\"2019-04-17 12:38:21\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-04-17 12:42:51\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-04-17 12:42:42\",\"publish_up\":\"2019-04-17 12:38:21\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":3,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"1\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(185,50,1,'','2019-04-17 12:44:45',915,1763,'91da3e38db61d8b37423e33891a2f08fa893ec51','{\"id\":50,\"asset_id\":164,\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"\",\"fulltext\":\"\",\"state\":1,\"catid\":\"26\",\"created\":\"2019-04-17 12:44:45\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-04-17 12:44:45\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-04-17 12:44:45\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(186,50,1,'','2019-04-17 12:47:56',915,2303,'b11016cabed54a70524db7a36ac98921209c37d6','{\"id\":50,\"asset_id\":\"164\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul class=\\\"arrow-list\\\">\\r\\n<li><a href=\\\"documents\\/DC\\/Annexure Confirmation of payment of fees - DC.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure Confirmation of payment of fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/DC\\/REGISTRATION AS A DEBT COUNSELLOR.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">registration as a debt counsellor<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/DC\\/Service Provider List.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Service Provider List<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"26\",\"created\":\"2019-04-17 12:44:45\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-04-17 12:47:56\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-04-17 12:47:46\",\"publish_up\":\"2019-04-17 12:44:45\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(188,52,1,'','2019-04-17 13:17:27',915,2568,'aaa10f4762f2e7892c21fff815a8069cf30f0abb','{\"id\":52,\"asset_id\":166,\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul class=\\\"arrow-list\\\">\\r\\n<li><a href=\\\"documents\\/RCB\\/Annexure Confirmation of payment of fees - CB.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure Confirmation of payment of fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/RCB\\/REGISTRATION AS A RESELLER CREDIT BUREAU.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Registration as a reseller credit bureau<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/RCB\\/Reseller Undertaking - Annexure B.DOCX\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Reseller Undertaking - Annexure B<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/RCB\\/Terms of Reference for performing an IS Due Diligence Review of Reseller.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Terms of Reference for performing an IS Due Diligence Review of Reseller<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"29\",\"created\":\"2019-04-17 13:17:27\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-04-17 13:17:27\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-04-17 13:17:27\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(189,53,1,'','2019-04-17 13:28:48',915,2583,'070f74b6bff437f0b56d61eec2d2899e9036a13a','{\"id\":53,\"asset_id\":167,\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul class=\\\"arrow-list\\\">\\r\\n<li><a href=\\\"documents\\/PDA\\/Annexure Confirmation of payment of fees - PDA.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure Confirmation of payment of fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/PDA\\/Audit review requirements for PDAs.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Audit review requirements for PDAs<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/PDA\\/REGISTRATION AS A PDA.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Registration as a Payment Distribution Agent<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/PDA\\/Resolution- PDA.DOC\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution - PDA<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/PDA\\/Service Provider List.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Service Provider List<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"25\",\"created\":\"2019-04-17 13:28:48\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-04-17 13:28:48\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-04-17 13:28:48\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(190,54,1,'','2019-04-17 13:35:37',915,2595,'0c9663f0e68e235db70f2ccf7a4a16fa4ddfeff8','{\"id\":54,\"asset_id\":168,\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul class=\\\"arrow-list\\\">\\r\\n<li><a href=\\\"documents\\/CB\\/Annexure Confirmation of payment of fees - CB.DOCX\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure Confirmation of payment of fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/CB\\/Audit review for CB October 2017 updated doc.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Audit review for CB <\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/CB\\/REGISTRATION AS A CREDIT BUREAU.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Registration as a credit bureau.docx<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/CB\\/Resolution- Credit Bureau.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution - Credit Bureau<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/CB\\/Service Provider List.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Service Provider List<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"28\",\"created\":\"2019-04-17 13:35:37\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-04-17 13:35:37\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-04-17 13:35:37\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(196,55,1,'','2019-04-24 10:33:54',915,4824,'3347f2bb7c4a8e9973f4ad5af6c0fd744b55f8a8','{\"id\":55,\"asset_id\":173,\"title\":\"Tribunal finds that the on the road fee, admin fee and handling fee charged by Volkswagen Financial Services South Africa (Pty) Ltd on credit agreements are unlawful\",\"alias\":\"tribunal-finds-that-the-on-the-road-fee-admin-fee-and-handling-fee-charged-by-volkswagen-financial-services-south-africa-pty-ltd-on-credit-agreements-are-unlawful\",\"introtext\":\"<p>The National Consumer Tribunal (Tribunal) has handed down judgment confirming a Compliance Notice issued by the National Credit Regulator (NCR) to Volkswagen Financial Services South Africa (Pty) Ltd for charging consumers the \\u201con the road\\u201d fee, admin fee and handling fee on credit agreements.<\\/p>\\r\\n<p>In its judgment, the Tribunal found that the \\u201con the road\\u201d fee, admin fee and handling fee charged by Volkswagen Financial Services to consumers on credit agreements are not permitted by the National Credit Act (the Act).<\\/p>\\r\\n<p>The Tribunal ordered Volkswagen Financial Services to \\u2013<\\/p>\\r\\n<ol>\\r\\n<li>cease the practice and\\/or conduct of charging consumers the \\u201con the road\\u201d, admin and handling fees on credit agreements from 10 April 2019 and to submit written confirmation to the NCR to this effect;<\\/li>\\r\\n<li>calculate the total amount of charges, fees or interest levied on the \\u201con the road\\u201d, admin and handling fees; and<\\/li>\\r\\n<li>refund all those consumers charges, fees or interest levied and submit a report by independent auditors to the NCR.<\\/li>\\r\\n<\\/ol>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p>\\u201cThe NCR welcomes this judgment as it affirms the protection given to consumers by the National Credit Act against illegal charges and fees on credit agreements\\u201d, says Nomsa Motshegare, Chief Executive Officer of the NCR.<\\/p>\\r\\n<p>The NCR will continue to conduct industry-wide investigations on fees and charges on credit agreements to root out illegal charges and fees on credit agreements.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>Ends<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><br \\/> The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\">Media Office:\\u00a0<span id=\\\"cloak88766\\\"><a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><\\/span><\\/p>\\r\\n<p align=\\\"center\\\">Or<br \\/> Lebogang Selibi<br \\/> (011)\\u00a0 554-2722<br \\/> 064\\u00a0752 3920<br \\/> E-mail:\\u00a0<span id=\\\"cloak16219\\\"><a href=\\\"mailto:lselibi@ncr.org.za\\\">lselibi@ncr.org.za<\\/a><\\/span><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-04-24 10:33:54\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-04-24 10:33:54\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-04-24 10:33:54\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(197,16,1,'','2019-04-24 10:39:30',915,5100,'6ff92c53867f929379c8cbe78bddc408e2946c0f','{\"id\":16,\"asset_id\":\"108\",\"title\":\"Joint operation between NCR, Office of the Consumer Protector and SASSA in Sarah Baartman District Municipality in the Eastern Cape\",\"alias\":\"joint-operation-between-ncr-office-of-the-consumer-protector-and-sassa-in-sarah-baartman-district-municipality-in-the-eastern-cape\",\"introtext\":\"<p>On Friday, 01 February 2019, the National Credit Regulator (NCR) joined forces with the Office of the Consumer Protector, South African Social Security Agency (SASSA) and South African Police Service (SAPS) from the Sarah Baartman Region in an operation aimed at curbing illegal retention of consumer instruments including identity books, bank cards and SASSA cards, to enforce credit agreements.<\\/p>\\r\\n<p>The operations were conducted at an entity conducting business in Jeffreys Bay, Somerset East and Humansdorp. During the operation, 393 SASSA and bank cards as well as 37 identity books were seized. Four (4) criminal cases were opened and we are hopeful that there will be swift prosecution of these matters.\\u00a0<\\/p>\\r\\n<p>The focus of this kind of operation is primarily to identify credit providers who are unlawfully retaining pension cards, bank cards, identity documents and personal identity numbers (PIN) of their clients as surety. \\u201cRetaining these cards is a contravention of the National Credit Act (NCA) and it is a criminal offence\\u201d, says Jacqueline Peters Manager of the Investigations and Enforcement Department at the National Credit Regulator.\\u00a0<\\/p>\\r\\n<p>Peters says this operation will not be the last of its kind in the region. SASSA and the Office of the Consumer Protector will continue to work together to root out predatory practices and to ensure that all credit providers, no matter where they conduct business, comply with the provisions of the National Credit Act. \\u201cThe exploitation of vulnerable and unsuspecting consumers by credit providers will not be tolerated,\\u201d added Peters.<\\/p>\\r\\n<p>\\u201cConsumers are cautioned to avoid credit providers who require them to hand over their identity books or SASSA cards as it is a criminal offence and it is usually coupled with reckless lending and overcharging\\u201d, concludes Peters.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>Ends<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><br \\/>The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\">Media Office:\\u00a0<span id=\\\"cloak28443\\\"><a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><\\/span><\\/p>\\r\\n<p align=\\\"center\\\">Or<br \\/>Lebogang Selibi<br \\/>(011)\\u00a0 554-2722<br \\/>E-mail:\\u00a0<span id=\\\"cloak63445\\\"><a href=\\\"mailto:lselibi@ncr.org.za\\\">lselibi@ncr.org.za<\\/a><\\/span><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-03-19 06:33:16\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-04-24 10:39:30\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-04-24 10:39:11\",\"publish_up\":\"2019-03-19 06:33:16\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":3,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"15\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(198,3,1,'','2019-04-24 10:40:37',915,4895,'e7ed2b5cf0b4bb52eeedbd6e62d5af290fcb37ed','{\"id\":3,\"asset_id\":\"62\",\"title\":\"National Credit Regulator issues a public warning against fake loan scams\",\"alias\":\"national-credit-regulator-issues-a-public-warning-against-fake-loan-scams\",\"introtext\":\"<p>[<strong>JOHANNESBURG<\\/strong>] The National Credit Regulator (NCR) has warned consumers to be wary of fake credit providers who attempt to entrap consumers in loan scams.<\\/p>\\r\\n<p>These scams\\u00a0typically target those who are in distressed financial circumstances and looking for a loan, using slogans such as \\u201cblacklisted\\u201d or \\u201cdebt review clients welcome\\u201d says Jacqueline Peters, Manager: Investigations and Enforcement at the NCR.\\u00a0<\\/p>\\r\\n<p>The increase in these types of scams comes at a time when credit approvals have decreased and consumers are finding themselves to be financially stretched.\\u00a0 This is the time to be more vigilant as it is in the vulnerable times that we should make wise decisions. The National Credit Act prohibits all advertisements for credit from utilising these prohibited terms and consumers should avoid engaging with any credit provider who advertises in this manner, she added.\\u00a0<\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p>The fake credit providers would generally use the details of legitimate credit providers and attempt to make one believe that they are endorsed by government agencies such as the NCR, one must not be misled and can look out for the typical signs. \\u00a0<\\/p>\\r\\n<p>Below is general advise for consumers to avoid scams:<\\/p>\\r\\n<ul>\\r\\n<li>Treat all unexpected calls, emails and sms messages with caution. Don\\u2019t assume they\\u2019re genuine, even if the person seems to know some basic information about you, such as your name; \\u00a0<\\/li>\\r\\n<li>Look out for the name on all e-mails, in case it is a \\u2018clone company\\u2019 pretending to be a real credit provider.<\\/li>\\r\\n<li>Do not pay any upfront fees to release your loans. The National Credit Act does not allow credit providers to request upfront payments for the release of a loan, if the \\u2018credit provider makes this request, do not engage further and report to the relevant authorities, such as the NCR or the SAPS;<\\/li>\\r\\n<li>Be aware of platforms and hidden fees included for sourcing a loan;<\\/li>\\r\\n<li>Don\\u2019t be pressured into acting quickly. A genuine credit provider won\\u2019t mind waiting if you want time to think and compare the costs of credit by using a quotation;<\\/li>\\r\\n<li>Do not engage with credit providers who do not conduct affordability assessments.\\u00a0 Furthermore, never give false or incorrect information on a credit application about your financial affairs.\\u00a0 Always disclose your financial obligations and living expenses fully.<\\/li>\\r\\n<li>Never borrow from an unregistered credit provider.<\\/li>\\r\\n<\\/ul>\\r\\n<p>\\u2018If the proposal is too good to be true, it usually is\\u2019.<\\/p>\\r\\n<p>If a consumer is unsure or in doubt about the legitimacy of the credit provider or agreement, they should contact the NCR on (011\\u00a0554 2600\\/2700 or visit our website at\\u00a0<a href=\\\"http:\\/\\/www.ncr.org.za\\/\\\">www.ncr.org.za<\\/a>.<\\/p>\\r\\n<p>Issued by: The National Credit Regulator<\\/p>\\r\\n<p>Ends<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-03-06 15:23:28\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-04-24 10:40:37\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-04-24 10:40:00\",\"publish_up\":\"2019-03-06 15:23:28\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":4,\"ordering\":\"5\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"20\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(199,56,1,'','2019-04-24 10:41:25',915,8361,'663c755bceb0be51e5fe4d41e70a1016d408f589','{\"id\":56,\"asset_id\":174,\"title\":\"Do not overdo it this festive season \\u2013 Spend Wisely!\",\"alias\":\"do-not-overdo-it-this-festive-season-spend-wisely\",\"introtext\":\"<p align=\\\"right\\\"><strong>December 2018<\\/strong><\\/p>\\r\\n<p>This year has been quiet a difficult one for some people as we have seen the petrol price hikes, VAT increases, interest rate increases, electricity increases etc making the cost of living very difficult for consumers whilst the total outstanding gross debtors book for consumer credit was R1.80 trillion as at June 2018, says Jimmy Golele, Acting Manager: Education &amp; Communication at the NCR. The gross debtors book represents what consumers owe in terms of mortgages, vehicle finance, unsecured credit, store cards, credit cards, overdrafts, short term credit etc.<\\/p>\\r\\n<p>\\u201cWe are advising consumers to be cautious of their spending during this festive season and only spend what they can afford.\\u201d Consumers should not overdo it, says Golele. During the silly season you would find people spending unnecessarily on things that they do not need and sometimes wasting as they have additional income in a form of bonuses, stokvel payouts etc. \\u201cAdditional income such as this can be used to settle debt and also be saved in platforms that will grow the money unlike spending it on things you do not need and those that will finish your money\\u201d, advises Golele.<\\/p>\\r\\n<p>When spending during the festive season, consumers should think about the new year which will be upon us sooner that we can realise. The new year comes with its own expenses such as school uniform, school registration fees, transport costs, food costs and many other costs. \\u201cIf you failed to plan and spend wisely during the festive season, you will find yourself cash strapped in the new year and it will be difficult to get out\\u201d, says Golele.<\\/p>\\r\\n<p>He says consumers should only use registered credit providers when seeking credit because using unregistered lenders can end up being their worst nightmare in the near future. \\u201cUnregistered lenders will take your identity documents, bank cards \\/ PINs and SASSA cards and withdraw your money immediately after you get paid. They will literally pay themselves first and leave you with change to get by for an entire month\\u201d, he adds.\\u00a0 Golele says this will lead to a debt-trap and make such consumers dependent on these lenders for a very long time.<\\/p>\\r\\n<p>Unregistered lenders often charge consumers unlawful interest rates that are more than what the law specifies. The danger of being charged unreasonable interest rates is that consumers will battle to finish repaying the loan, meaning they will be stuck with that lender. \\u201cThis means that you will be enslaved to the micro-lender\\u201d, cautions Golele. \\u201cAccording to the National Credit Act, each and every one who gives out credit and charges interest must register with the National Credit Regulator\\u201d, says Golele.<\\/p>\\r\\n<p>During the silly season, consumers should be wary of deals such as \\u201cbuy now, pay after three months\\u201d and then incur additional credit during those three months, cautioned Golele. \\u201cDo not be afraid to request for a pre-agreement statement and quotation when applying for any type of credit, remember, it is your right according to the National Credit Act.\\u201d A quotation will inform consumers on how much the new credit will cost them prior to putting their signatures on the contract\\/credit agreement. It will also enable consumers to shop around and do a comparison.<\\/p>\\r\\n<p>\\u201cUse your bonus to reduce your debt burden by paying off existing debt. Remember as soon as you settle outstanding credit that you are blacklisted for, the listing will be removed from your credit report thus giving you a better chance of getting new credit for asset building purposes such as getting finance for a mortgage bond, says Golele.<\\/p>\\r\\n<p>To consumers who have lost their jobs, please inform your credit providers about your situation. If you were paying for credit life insurance, contact your credit providers for assistance as the aim of credit life insurance is to pay the consumer\\u2019s debt either in full or a portion in case the consumer dies, gets retrenched or disabled whilst still owing that particular credit, says Golele.<\\/p>\\r\\n<p>Below are tips to assist consumers to spend wisely during the festive season:<\\/p>\\r\\n<ul>\\r\\n<li>Draw a budget for the month and include all debt, rent, electricity, water, insurance, transport, gifts, entertainment, etc;<\\/li>\\r\\n<li>When going shopping, have a shopping list to avoid buying unnecessary items;<\\/li>\\r\\n<li>If you didn\\u2019t budget for a holiday earlier in the year, it might be too late and risky in terms of finances to go on holiday this year;<\\/li>\\r\\n<li>Prioritise your home loan and rent;<\\/li>\\r\\n<li>Before you cancel any insurance, speak to a financial advisor;<\\/li>\\r\\n<li>If you borrow money, make sure you borrow only for what is strictly necessary, and ensure that you can afford the repayments;<\\/li>\\r\\n<li>Start saving for next year\\u2019s projects that you would like to undertake such as holidays, renovations, studying, big sales, etc;<\\/li>\\r\\n<li>If you are battling with your debts, contact a registered debt counsellor for assistance; and<\\/li>\\r\\n<li>As much as possible, during the festive season keep to your normal spending patterns. Don\\u2019t make drastic changes that may leave you over-indebted in the new year.<\\/li>\\r\\n<\\/ul>\\r\\n<p align=\\\"center\\\"><strong>ENDS<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><br \\/> The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong><br \\/> Media Office:\\u00a0<span id=\\\"cloak95593\\\"><a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><\\/span>\\u00a0<br \\/> Or<br \\/> Lebogang Selibi<br \\/> (011)\\u00a0 554-2722<br \\/> E-mail:\\u00a0<span id=\\\"cloak96440\\\"><a href=\\\"mailto:lselibi@ncr.org.za\\\">lselibi@ncr.org.za<\\/a><\\/span><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-04-24 10:41:25\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-04-24 10:41:25\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-04-24 10:41:25\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(200,57,1,'','2019-04-24 10:45:30',915,4258,'7079b46ef2ec868abd39884f46c30d046a31bfd9','{\"id\":57,\"asset_id\":175,\"title\":\"The Supreme Court of Appeal dismisses the MFSA\\u2019s application for special leave to appeal the judgment of the Full Court of the North Gauteng High Court on the interest rate regulations\",\"alias\":\"the-supreme-court-of-appeal-dismisses-the-mfsa-s-application-for-special-leave-to-appeal-the-judgment-of-the-full-court-of-the-north-gauteng-high-court-on-the-interest-rate-regulations\",\"introtext\":\"<p><strong>November 2018<\\/strong><\\/p>\\r\\n<p>The Supreme Court of Appeal has on 08th November 2018 dismissed the MicroFinance South Africa\\u2019s (MFSA) application for special leave to appeal the judgment of the Full Court of the North Gauteng High Court in favour of the National Credit Regulator (NCR) and Department of Trade and Industry (dti) on the regulations reducing the interest rates on the short-term loan.<\\/p>\\r\\n<p>The regulations reduced the interest rate on the second short-term loan in a calendar year from 5% to 3% per month.<\\/p>\\r\\n<p>\\u201cThe NCR welcomes the decision of the Supreme Court of Appeal and calls on all credit providers to support initiatives by government and the NCR to address consumer over-indebtedness\\u201d, says Nomsa Motshegare, Chief Executive Officer of the NCR.<\\/p>\\r\\n<p>The regulations remain in force and mean that consumers pay 5% interest on the first short-term loan and 3% interest on subsequent short-term loans in a calendar year.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>ENDS<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><\\/p>\\r\\n<p>The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of credit providers, credit bureaus, debt counsellors, payment distribution agents, and alternative dispute resolution agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\">Media Office:\\u00a0<span id=\\\"cloak9942\\\"><a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><\\/span>\\u00a0<br \\/> Or<br \\/> Lebogang Selibi<br \\/> (011)\\u00a0 554-2722<br \\/> E-mail:\\u00a0<span id=\\\"cloak40534\\\"><a href=\\\"mailto:lselibi@ncr.org.za\\\">lselibi@ncr.org.za<\\/a><\\/span><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-04-24 10:45:30\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-04-24 10:45:30\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-04-24 10:45:30\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(201,58,1,'','2019-04-24 10:46:50',915,6322,'c4297d104c3e31f76a7964686193c1c3f30af3b4','{\"id\":58,\"asset_id\":176,\"title\":\"Don\\u2019t let Black Friday be the reason for your financial woes!\",\"alias\":\"don-t-let-black-friday-be-the-reason-for-your-financial-woes\",\"introtext\":\"<p align=\\\"right\\\"><strong>November 2018<\\/strong><\\/p>\\r\\n<p>Out of the 24.59 million credit active consumers, 61.1% are in good standing. However, 38.9% or 9.6 million consumers have impaired records. This is a record on which a consumer and\\/or any of the accounts are either classified as three or more payments or months in arrears, have an adverse listing, have a judgment or an administration order.<\\/p>\\r\\n<p>\\u201cIf you did not budget for \\u201cBlack Friday\\u201d this year, do not be tempted because buying on impulse may cause you to have a bad credit record\\u201d, says Jimmy Golele, Acting Manager: Education &amp; Communication at the National Credit Regulator (NCR).<\\/p>\\r\\n<p>By preparing a budget, consumers can prevent buyers\\u2019 remorse and stress of arriving home with products and items that they do not really need. \\u201cCredit needs to be paid back with interest and fees\\u201d.\\u00a0 \\u201cIt does cost more to pay by credit than to pay cash\\u201d, adds Golele.<\\/p>\\r\\n<p>The Consumer Credit Market Report (CCMR) which is a publication issued by the NCR indicates that a large number of consumers have taken out credit facilities which largely include credit \\/ garage cards and store cards. The NCR advises consumers to use credit wisely and only when it is necessary.<\\/p>\\r\\n<p>Golele says that consumers need to take credit that they can afford and pay accordingly as per their credit agreements. Skipping payments will adversely affect consumers\\u2019 credit reports which will limit their future chances of accessing further credit when they really need it.<\\/p>\\r\\n<p>Golele reminds consumers that the festive season is around the corner and if they do not spend wisely during this Black Friday, this could set them back financially in the new year and it will be difficult to catch up. \\u201cConsumers should prioritise necessities like their bond \\/ rent, transport, groceries, school fees, insurance etc. before splurging on Black Friday\\u201d, advises Golele. \\u201cIt is really not wise to fund Black Friday shopping spree by taking unnecessary debt because debt is costly and should be used for asset building\\u201d, says Golele.<\\/p>\\r\\n<p>To help consumers avoid the urge to unnecessarily spend this Black Friday, Golele offers these helpful tips:<\\/p>\\r\\n<ul>\\r\\n<li>Set a realistic budget of what you can afford to spend and stick to it;<\\/li>\\r\\n<li>Don\\u2019t spend what you don\\u2019t have \\u2013 this means do not live beyond your means and don\\u2019t buy if you haven\\u2019t budgeted;<\\/li>\\r\\n<li>If an item is on sale and you buy it on credit, remember that interest and fees will push up the price. Therefore, cash is king!<\\/li>\\r\\n<li>Don\\u2019t be impulsive when you shop;<\\/li>\\r\\n<li>Have a shopping list to avoid buying unnecessary items - if you don\\u2019t need it now, chances are you may never need it. So avoid wasting your time and hard earned money;<\\/li>\\r\\n<li>Don\\u2019t forget to get a free copy of your credit report from registered credit bureaus on the NCR\\u2019s website:\\u00a0<a href=\\\"http:\\/\\/www.ncr.org.za\\/\\\">www.ncr.org.za<\\/a>.<\\/li>\\r\\n<\\/ul>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p>\\u201cDon\\u2019t let Black Friday burn a hole in your pocket and be a reason for your financial woes next year\\u201d, concludes Golele.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>ENDS<\\/strong>\\u00a0<\\/p>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><\\/p>\\r\\n<p>The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\">Media Office:\\u00a0<span id=\\\"cloak20434\\\"><a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><\\/span>\\u00a0<br \\/> Or<br \\/> Lebogang Selibi<br \\/> (011)\\u00a0 554-2722<br \\/> E-mail:\\u00a0<span id=\\\"cloak93619\\\"><a href=\\\"mailto:lselibi@ncr.org.za\\\">lselibi@ncr.org.za<\\/a><\\/span><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-04-24 10:46:50\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-04-24 10:46:50\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-04-24 10:46:50\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(202,59,1,'','2019-04-24 10:47:19',915,5704,'caa7304e10f4b1e4d14b2f172521f6e25408d9d2','{\"id\":59,\"asset_id\":177,\"title\":\"The National Credit Regulator to educate the community of Katlehong in Ekurhuleni on their consumer rights and debt counselling\",\"alias\":\"the-national-credit-regulator-to-educate-the-community-of-katlehong-in-ekurhuleni-on-their-consumer-rights-and-debt-counselling\",\"introtext\":\"<p align=\\\"right\\\">November 2018<\\/p>\\r\\n<p>The National Credit Regulator (NCR) will be hosting a workshop in Katlehong on Saturday, 17 November 2018 on an initiative to educate consumers who reside in and around Katlehong on the National Credit Act (NCA), debt counselling, their consumer rights and responsibilities on credit related matters. This workshop will be held in Ekurhuleni School for the Deaf.<\\/p>\\r\\n<p>The workshop aims to equip the community with education and awareness of their rights and responsibilities on credit related matters in terms of the National Credit Act. Statistics show that there are about 24.59 million credit active consumers in South Africa and of this number, 38.9% which is 9.6 million consumers unfortunately have impaired records. An impaired record is a record in which a consumer and\\/or any of the accounts are either classified as three or more payments or months in arrears, have an adverse listing, have a judgment or an administration order.<\\/p>\\r\\n<p>The NCR will be providing consumers of Katlehong and the surrounding areas with guidance on how to manage their debts, what debt counselling is, how does it work and also dispel the myths associated with debt counselling and the roles of credit bureaus. Kedilatile Legodi, Manager: Debt Counselling at the National Credit Regulator says the NCR will be educating, raising awareness and empowering consumers on how to handle credit and\\/or debt related problems.\\u00a0<\\/p>\\r\\n<p>She says that there are many reasons why people find themselves in financial distress, such as the recession, change in circumstances like divorce or death, poor financial planning and others. These may cause consumers to find themselves no longer being able to pay their monthly debt repayments.<\\/p>\\r\\n<p>Legodi says that consumers who are in this situation should not hide or feel despondent as there could be help in the form of debt counselling. Debt counselling is a debt relief measure in terms of the NCA that aims to provide relief for consumers who are struggling with debt. This service is only offered by debt counsellors who are registered with the NCR.<\\/p>\\r\\n<p>The NCR has also invited different stakeholders dealing with consumer related issues who will be present on the day of the workshop. We therefore encourage consumers, to attend this workshop and use the opportunity to engage the NCR on any credit related query and\\/or complaint they may have. A consumer who is educated on his\\/her rights is a protected one, concludes Legodi.<\\/p>\\r\\n<p align=\\\"center\\\">ENDS<\\/p>\\r\\n<hr \\/>\\r\\n<p align=\\\"center\\\"><strong>About The National Credit Regulator<\\/strong><\\/p>\\r\\n<p>The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\">Media Office:\\u00a0<span id=\\\"cloak73060\\\"><a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><\\/span>\\u00a0<br \\/> Or<br \\/> Lebogang Selibi<br \\/> (011)\\u00a0 554-2722<br \\/> E-mail:\\u00a0<span id=\\\"cloak28627\\\"><a href=\\\"mailto:lselibi@ncr.org.za\\\">lselibi@ncr.org.za<\\/a><\\/span><\\/p>\\r\\n<p>\\u00a0<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-04-24 10:47:19\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-04-24 10:47:19\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-04-24 10:47:19\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(203,60,1,'','2019-04-24 10:48:22',915,4504,'bee849f7595ee78297701b25367007367a75254d','{\"id\":60,\"asset_id\":178,\"title\":\"The National Credit Regulator issues a public warning about Charis Financial Services\",\"alias\":\"the-national-credit-regulator-issues-a-public-warning-about-charis-financial-services-2\",\"introtext\":\"<p align=\\\"right\\\"><strong>October 2018<\\/strong><\\/p>\\r\\n<p>The National Credit Regulator (NCR) has issued a public warning against Charis Financial Services, an unregistered credit provider, conducting business in Pietermaritzburg; KwaZulu-Natal.\\u00a0<br \\/> <br \\/> Consumers are warned that loans extended by Charis Financial Services, are unlawful and may be void due to the fact that they are not a registered credit provider.\\u00a0\\u00a0<br \\/> <br \\/> \\u201cCredit providers are reminded that as of October 2016 any person or entity that is involved in the provision of credit is required to be registered irrespective of the number of agreements and \\/ or the value of the principal debt\\u201d, says Jacqueline Peters, Manager of the Investigations and Enforcement at the NCR.<\\/p>\\r\\n<p>\\u201cThe NCR will continue with operations to monitor unregistered entities around the country and will bring applications to the National Consumer Tribunal to have credit agreements concluded by unregistered entities to be declared unlawful\\u201d, she added.<\\/p>\\r\\n<p>\\u201cConsumers are urged to ensure that they only apply for credit from credit providers who are registered with the NCR\\u201d, Peters concluded. \\u00a0If a consumer is unsure or in doubt about the legitimacy of the credit provider or a credit agreement, they should contact the NCR on (011) 554-2600\\/2700 or visit\\u00a0<a href=\\\"http:\\/\\/www.ncr.org.za\\/\\\">www.ncr.org.za<\\/a>. \\u00a0\\u00a0<\\/p>\\r\\n<p align=\\\"center\\\"><strong>ENDS<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><\\/p>\\r\\n<p>The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong><br \\/> Media Office:\\u00a0<span id=\\\"cloak92562\\\"><a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><\\/span><br \\/> Or<br \\/> Lebogang Selibi<br \\/> (011)\\u00a0 554-2722<br \\/> E-mail:\\u00a0<span id=\\\"cloak39042\\\"><a href=\\\"mailto:lselibi@ncr.org.za\\\">lselibi@ncr.org.za<\\/a><\\/span><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-04-24 10:48:22\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-04-24 10:48:22\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-04-24 10:48:22\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(204,61,1,'','2019-04-24 10:49:01',915,7848,'41e39964c0c45dac32982c8a9f5c3fa765f5d683','{\"id\":61,\"asset_id\":179,\"title\":\"Credit extension seasonally surges\",\"alias\":\"credit-extension-seasonally-surges\",\"introtext\":\"<p align=\\\"right\\\"><strong>October 2018<\\/strong><\\/p>\\r\\n<p>Today, the National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM), which are based on data submitted to the NCR by registered credit providers and credit bureaus respectively. The latest edition of the reports covers credit market information up to June 2018. The total value of new credit granted increased by 8.25% quarter-on-quarter from R121.62 billion to R131.65 billion. The number of applications for credit increased by 5.79% quarter-on-quarter from 10.49 million in March 2018 to 11.10 million in June 2018.\\u00a0<br \\/> The following were some of the most significant trends observed in terms of credit granted for the quarter ended June 2018:<\\/p>\\r\\n<ul>\\r\\n<li>The value of new mortgages granted increased by R4.78 billion (13.50%) quarter-on-quarter and by R3.34 billion (9.07%) year-on-year.<\\/li>\\r\\n<li>Secured credit which is dominated by vehicle finance, increased by R61.21 million (0.15%) quarter-on-quarter and by R2. 38 billion (6. 07%) year-on-year.<\\/li>\\r\\n<li>Credit facilities increased by R1.90 billion (11.35%) quarter-on-quarter and by R3.30 billion (21.56%) year-on year.<\\/li>\\r\\n<li>Unsecured credit increased by R2.77 billion (11.95%) quarter-on-quarter and by R5.94 billion (29.58%) year-on-year.<\\/li>\\r\\n<\\/ul>\\r\\n<p>The total outstanding consumer credit balances (or gross debtors book) as at June 2018 was R1.80 trillion, representing an increase of 1.14% quarter-on-quarter and 4.76% year-on-year. The trends for outstanding balances for the quarter ended June 2018 were as follows:<\\/p>\\r\\n<ul>\\r\\n<li>Mortgages debtors book increased by R8.44 billion (0.92%) for the quarter ended June 2018 and by R33.11 billion (3.72%) year-on-year.<\\/li>\\r\\n<li>Secured credit debtors book increased by R3. 49 billion (0.85%) for the quarter ended June 2018 and by R23.09 billion (5.87%) year-on-year.<\\/li>\\r\\n<li>Credit facilities debtors book increased by R1.54 billion (0.67%) for the quarter ended June 2018 and by R6.28 billion (2.79%) year-on-year.<\\/li>\\r\\n<li>Unsecured credit debtors book increased by R6.01 billion (3.48%) for the quarter ended June 2018 and by R13.16 billion (7.96%) year-on-year.<\\/li>\\r\\n<\\/ul>\\r\\n<p>Credit bureaus held records for 24.59 million credit-active consumers, which showed a decrease of 3.44% when compared to the 25.46 million in the previous quarter. Consumers classified in good standing decreased by 751,431 to 15.02 million consumers. This amounts to 61.08% of the total number of credit-active consumers, a decrease of 0.85% quarter-on-quarter and an increase of 0.17% year-on-year. The number of credit active accounts decreased from 79.08 million to 76.02 million in the quarter ended June 2018. The number of impaired accounts has decreased in absolute terms from 19.42 million (24.55%) to 19.07 million (25.08%) when compared to March 2018, a decrease of 348,729 quarter-on-quarter and 905,454 year-on-year.<\\/p>\\r\\n<p>The number of enquiries made on consumer credit records was 375.32 million, this was a decrease of 14.64% quarter-on-quarter and of 21.80% year-on-year. Consumer initiated enquiries accounted for 24.52 million of all enquiries, an increase of 0.94% quarter-on-quarter and 33.11% year-on-year. The number of credit reports issued to consumers decreased from 196,920 in the previous quarter to 174,378. A total 98,523 (56.50%) credit reports were issued without charge, and the remaining 75,855 (43.50%) were issued with charge. There were 32,727 disputes lodged on information held on consumer credit records for the quarter ended June 2018, an increase of 6.07% quarter-on-quarter and of 5.26% year-on-year.<\\/p>\\r\\n<p>Consumers battling with their debt repayments should not despair, they are encouraged not to avoid their credit providers but to approach them to assist with payment re-arrangements. In worst cases the assistance of registered debt counsellors must be sought. The debt counselling process was introduced to assist consumers who are over-indebted. Such consumers can no longer meet their debt obligation and living expenses with their income. A registered debt counsellor will assist the consumer with budget advice and assist with the debt restructuring on behalf of the consumer, says Nomsa Motshegare, CEO at the NCR. Consumers must have an income to be accepted to the debt counselling process. Their income will be used in the restructuring process with credit providers, concludes Motshegare.<\\/p>\\r\\n<p><strong><em>Comparisons in this release- \\u2018quarter-on-quarter\\u2019 refers to a comparison between the March 2018 and June 2018 quarters, and \\u2018year-on-year\\u2019 refers to a comparison between the June 2017 and June 2018 quarters<\\/em><\\/strong><strong>.<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\">Issued by: The National Credit Regulator<\\/p>\\r\\n<p align=\\\"center\\\"><strong>ENDS<\\/strong><\\/p>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><\\/p>\\r\\n<p>The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\">Media Office:\\u00a0<span id=\\\"cloak73877\\\"><a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><\\/span>\\u00a0<br \\/> Or<br \\/> Lebogang Selibi<br \\/> (011)\\u00a0 554-2722<br \\/> E-mail:\\u00a0<span id=\\\"cloak27161\\\"><a href=\\\"mailto:lselibi@ncr.org.za\\\">lselibi@ncr.org.za<\\/a><\\/span><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-04-24 10:49:01\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-04-24 10:49:01\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-04-24 10:49:01\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(208,10,1,'','2019-05-20 12:10:18',915,3011,'957cdaaac89cd0907d2d4f21b72c21f5c3aa5a8f','{\"id\":10,\"asset_id\":\"99\",\"title\":\"Compliance\",\"alias\":\"compliance-2\",\"introtext\":\"<h3>Relevant Sections<\\/h3>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/relevant_sections\\/section63.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Language Policy<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/relevant_sections\\/section15.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Market Conduct<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/Compliance_report62-68.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Provider Compliance Reports<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/relevant_sections\\/debt_counsellors_compliance_report.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Debt Counsellors Compliance Reports<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/credit_bureau_annual_compliance_report.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Bureau Compliance Reports<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/Form 39.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Statistical Returns (Form 39)<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p>\\u00a0<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"10\",\"created\":\"2019-03-15 12:28:59\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-05-20 12:10:18\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-05-20 12:09:26\",\"publish_up\":\"2019-03-15 12:28:59\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(214,7,1,'','2019-05-20 12:41:49',915,5337,'0ad52f4b9dfa2c44eb8603a51e77c8ff4daca1fb','{\"id\":7,\"asset_id\":\"90\",\"title\":\"Compliance\",\"alias\":\"compliance\",\"introtext\":\"<p>The Compliance Department is a division of the National Credit Regulator (NCR) and is responsible for ensuring that the registered credit providers comply with the National Credit Act no. 34 of 2005 (the Act). Section 15 of the Act states that the NCR may monitor the consumer credit market and industry to ensure that prohibited conduct is prevented or detected and prosecuted. The mandate of the department is to monitor compliance by the registrants specifically credit providers and assisting them to comply.<\\/p>\\r\\n<h3>Relevant Sections<\\/h3>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/relevant_sections\\/section63.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Language Policy<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/relevant_sections\\/section15.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Market Conduct<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/Compliance_report62-68.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Provider Compliance Reports<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Regulations 62.pdf\\\" target=\\\"_blank\\\" rel=\\\"Statutory Reporting noopener noreferrer\\\">Statutory Reporting<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<h3>Compliance Report (Credit Provider)<\\/h3>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Copy%20of Form 39 .xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Statistical Returns (Form 39)<\\/a><\\/li>\\r\\n<li>Compliance Report<br \\/>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/COMPLIANCE REPORT.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Compliance Report (.pdf)<\\/a>\\u00a0<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/COMPLIANCE REPORT.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Compliance Report (.doc)<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Annual_Financial_Statements.pdf\\\">Annual Financial Statements<\\/a><\\/li>\\r\\n<li>Annual Financial and Operational Return\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Form 40.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annual Financial and Operational Return (.pdf)<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Form%2040.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><span style=\\\"line-height: 15.8079996109009px;\\\">A<\\/span><span style=\\\"line-height: 15.8079996109009px;\\\">nnual Financial and Operational Return (.xls)<\\/span><\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Assurance Engagement Reports Audited\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/assurance\\/Assurance Engagement Illustrative Report as per guide Sep 2007.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Assurance Engagement Illustrative Report<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Assurance Engagement Reports Unaudited\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Assurance Engagement Reports - Unaudited\\/ASSURANCE ENGAGEMENT REPORT FOR UNAUDITED CREDIT PROVIDERS.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Assurance Engagement Reports - Unaudited<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/Guidelines LPP.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">First year review<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/Guidelines LPP.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Second year review<\\/a><\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"10\",\"created\":\"2019-03-14 15:14:48\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-05-20 12:41:49\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-05-20 12:40:45\",\"publish_up\":\"2019-03-14 15:14:48\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":8,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"30\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(215,30,5,'','2019-06-04 14:49:37',915,561,'b04d50e2b93b77dbc81da7d637686656185e60db','{\"id\":30,\"asset_id\":184,\"parent_id\":\"1\",\"lft\":\"55\",\"rgt\":56,\"level\":1,\"path\":null,\"extension\":\"com_content\",\"title\":\"Legislation\",\"alias\":\"legislation\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":null,\"checked_out_time\":null,\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2019-06-04 14:49:37\",\"modified_user_id\":null,\"modified_time\":\"2019-06-04 14:49:37\",\"hits\":\"0\",\"language\":\"*\",\"version\":null}',0),(216,28,1,'','2019-06-04 14:49:47',915,3287,'a58bd3e6c5415bdc24529caa6d8903201cf672b6','{\"id\":28,\"asset_id\":\"132\",\"title\":\"Legislation\",\"alias\":\"legislation\",\"introtext\":\"<p><strong>PAIA Manual<\\/strong><\\/p>\\r\\n<p>\\u00a0The Promotion of Access to Information Act No.2 of 2000 (\\u201cPAIA\\u201d) gives effect to the right of access to information as provided for in section 32 of the Constitution, subject to justifiable limitations, including, but not limited to, limitations aimed at the reasonable protection of privacy, commercial confidentiality, and effective, efficient and good governance.<\\/p>\\r\\n<p><a href=\\\"documents\\/PAIA MANUAL.pdf\\\">Click here to download the PAIA Manual<\\/a><br \\/><br \\/> <a href=\\\"documents\\/PAIA REQUEST FORM.docx\\\">Click here to download Request Form<\\/a><\\/p>\\r\\n<!--<p><strong>February 2017<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a title=\\\"Final Credit Life Insurance Regulations\\\" href=\\\"documents\\/Final Credit Life Insurance Regulations.pdf\\\" target=\\\"_blank\\\">Final Credit Life Insurance Regulations<\\/a><\\/li>\\r\\n<\\/ul>-->\\r\\n<p><strong>March 2016<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a title=\\\"Review of Limitations on Fees and Interest Rates Regulations\\\" href=\\\"documents\\/Review of Limitations on Fees and Interest Rates Regulations.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Review of Limitations on Fees and Interest Rates Regulations<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>July 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"publications\\/Legislation\\/Draft-regulations-limitations-of-fees-and-interest-rates_20150625.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Draft Regulations: Limitation of Fees and Interest Rates<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"30\",\"created\":\"2019-04-02 12:41:23\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-06-04 14:49:47\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-06-04 14:49:41\",\"publish_up\":\"2019-04-02 12:41:23\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"30\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(217,28,1,'','2019-06-04 14:50:18',915,3302,'61640ee4ab542ab7c2060dab32df85737274622d','{\"id\":28,\"asset_id\":\"132\",\"title\":\"Legislation\",\"alias\":\"legislation\",\"introtext\":\"<p><strong>PAIA Manual<\\/strong><\\/p>\\r\\n<p>\\u00a0The Promotion of Access to Information Act No.2 of 2000 (\\u201cPAIA\\u201d) gives effect to the right of access to information as provided for in section 32 of the Constitution, subject to justifiable limitations, including, but not limited to, limitations aimed at the reasonable protection of privacy, commercial confidentiality, and effective, efficient and good governance.<\\/p>\\r\\n<p><a href=\\\"documents\\/PAIA MANUAL.pdf\\\">Click here to download the PAIA Manual<\\/a><br \\/><br \\/> <a href=\\\"documents\\/PAIA REQUEST FORM.docx\\\">Click here to download Request Form<\\/a><\\/p>\\r\\n<!--<p><strong>February 2017<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a title=\\\"Final Credit Life Insurance Regulations\\\" href=\\\"documents\\/Final Credit Life Insurance Regulations.pdf\\\" target=\\\"_blank\\\">Final Credit Life Insurance Regulations<\\/a><\\/li>\\r\\n<\\/ul>-->\\r\\n<p><strong>March 2016<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a title=\\\"Review of Limitations on Fees and Interest Rates Regulations\\\" href=\\\"documents\\/Review of Limitations on Fees and Interest Rates Regulations.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Review of Limitations on Fees and Interest Rates Regulations<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<!--<p><strong>July 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"publications\\/Legislation\\/Draft-regulations-limitations-of-fees-and-interest-rates_20150625.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Draft Regulations: Limitation of Fees and Interest Rates<\\/a><\\/li>-->\\r\\n<p>\\u00a0<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"30\",\"created\":\"2019-04-02 12:41:23\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-06-04 14:50:18\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-06-04 14:49:47\",\"publish_up\":\"2019-04-02 12:41:23\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":3,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"31\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(218,6,1,'','2019-06-05 12:08:06',915,7125,'1f23ea42821a5ca71995a2bfca15c1eccbe55f64','{\"id\":6,\"asset_id\":\"65\",\"title\":\"If you can no longer afford to pay your debts, debt counselling could be of help\",\"alias\":\"if-you-can-no-longer-afford-to-pay-your-debts-debt-counselling-could-be-of-help\",\"introtext\":\"<h3 align=\\\"right\\\">January 2019<\\/h3>\\r\\n<p>The festive season is over and reality has dawned that we are in a new year which is meant to at least bring all things new. Unfortunately, if consumers did not spend wisely during last year, this will mean that they will have to start the year on a tough note with taking out credit being the only option for some. Didi Sebothoma, Acting Manager: Education &amp; Communication at the National Credit regulator (NCR) says there are many reasons why consumers might need to borrow at this time of the year. It may be because of reckless spending last year, loss of jobs, unplanned costs such as medical, death etc.<\\/p>\\r\\n<p>We have seen some consumers battling financially last year as the VAT increased and petrol increases making things expensive for consumers. However, statistics from the National Credit Regulator shows that the consumer credit health has slightly improved from 38.9% to 37.4% .This number signifies consumers \\/ accounts that are three or more months in arrears.<\\/p>\\r\\n<p>\\u201cConsumers who need to borrow money to get by should only borrow from registered credit providers\\u201d, says Sebothoma. \\u201cThey should never leave their bank cards, SASSA cards, PINs and identity documents with credit providers\\u201d, he adds. It is a criminal offence for a credit provider to take and retain consumers\\u2019 instruments. Consumers should also refuse to pay any upfront payments before they are granted a loan. They should report credit providers who charge them such fees to the National Credit Regulator.<\\/p>\\r\\n<p>Amongst, other things, the NCR regulates interest and fees that credit providers should charge consumers when they take out credit. There are different interest rates for different credit types and most of these are calculated using the repurchase rate (repo rate). The repo rate remains unchanged at 6.75%. For mortgage agreements, the maximum interest rate credit providers can charge a consumer is 18.75% per annum. Credit facilities which include credit cards, overdrafts and petrol cards is 20.75% per annum; unsecured credit transactions which consist mainly of personal loans is 27.75% per annum; developmental credit agreements is 33.75% per annum; short-term transactions is 5 % per month on the first loan then 3% per month on subsequent loans; other credit which includes furniture and vehicle finance is 23.75% per annum; and incidental credit is 2% per month.<\\/p>\\r\\n<p>Credit providers are also allowed to charge consumers an initiation fee. This is a fee charged to consumers for entering into credit agreements with credit providers. An initiation fee may never exceed 15% of the principal debt. A service fee can also be charged by the credit provider for servicing the credit agreement and it must not exceed R60 excluding VAT.<\\/p>\\r\\n<p>Other fees that credit providers can charge include credit life insurance which will cover the credit agreement in case the consumer dies, gets retrenched or disabled whilst they still owe the credit provider. This fee is also capped.<\\/p>\\r\\n<p>There is also a default administration charge which is a fee chargeable by credit providers if the consumer\\u2019s account is in arrears. It basically relates to costs incurred by credit providers in advising the consumer that their account is in arrears. Collection costs are costs incurred by a credit provider in attempting to collect outstanding or overdue debt from a consumer. They can also charge costs of an extended warranty agreement, delivery, installation, initial fueling charges, connection fees, levies or charges, taxes, license or registration fees.<\\/p>\\r\\n<p>Sebothoma advises consumers to get a pre-agreement statement and quotation when seeking credit as these will outline the cost of credit for the proposed agreement. \\u201cConsumers should not rush to signing anything at this point until they are clear and certain\\u201d, he adds.<\\/p>\\r\\n<p>He concludes by advising consumers to aim at paying off their debt and building up savings over the longer term.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>ENDS<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><br \\/> The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong><br \\/> Media Office:\\u00a0<span id=\\\"cloak11190\\\"><a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><\\/span>\\u00a0<br \\/> Or\\u00a0<br \\/> Lebogang Selibi<br \\/> (011)\\u00a0 554-2722<br \\/> E-mail:\\u00a0<span id=\\\"cloak13066\\\"><a href=\\\"mailto:lselibi@ncr.org.za\\\">lselibi@ncr.org.za<\\/a><\\/span><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-03-06 15:24:39\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-06-05 12:08:06\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-06-05 12:07:52\",\"publish_up\":\"2019-03-06 15:24:39\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":6,\"ordering\":\"9\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"40\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(219,2,1,'','2019-06-05 12:11:16',915,7039,'85305cb08cfba1beb120a2a551c11c32dc93cffb','{\"id\":2,\"asset_id\":\"61\",\"title\":\"If you have to borrow, borrow wisely!\",\"alias\":\"if-you-have-to-borrow-borrow-wisely\",\"introtext\":\"<h3 align=\\\"right\\\">January 2019<\\/h3>\\r\\n<p>The festive season is over and reality has dawned that we are in a new year which is meant to at least bring all things new. Unfortunately, if consumers did not spend wisely during last year, this will mean that they will have to start the year on a tough note with taking out credit being the only option for some. Didi Sebothoma, Acting Manager: Education &amp; Communication at the National Credit regulator (NCR) says there are many reasons why consumers might need to borrow at this time of the year. It may be because of reckless spending last year, loss of jobs, unplanned costs such as medical, death etc.<\\/p>\\r\\n<p>We have seen some consumers battling financially last year as the VAT increased and petrol increases making things expensive for consumers. However, statistics from the National Credit Regulator shows that the consumer credit health has slightly improved from 38.9% to 37.4% .This number signifies consumers \\/ accounts that are three or more months in arrears.<\\/p>\\r\\n<p>\\u201cConsumers who need to borrow money to get by should only borrow from registered credit providers\\u201d, says Sebothoma. \\u201cThey should never leave their bank cards, SASSA cards, PINs and identity documents with credit providers\\u201d, he adds. It is a criminal offence for a credit provider to take and retain consumers\\u2019 instruments. Consumers should also refuse to pay any upfront payments before they are granted a loan. They should report credit providers who charge them such fees to the National Credit Regulator.<\\/p>\\r\\n<p>Amongst, other things, the NCR regulates interest and fees that credit providers should charge consumers when they take out credit. There are different interest rates for different credit types and most of these are calculated using the repurchase rate (repo rate). The repo rate remains unchanged at 6.75%. For mortgage agreements, the maximum interest rate credit providers can charge a consumer is 18.75% per annum. Credit facilities which include credit cards, overdrafts and petrol cards is 20.75% per annum; unsecured credit transactions which consist mainly of personal loans is 27.75% per annum; developmental credit agreements is 33.75% per annum; short-term transactions is 5 % per month on the first loan then 3% per month on subsequent loans; other credit which includes furniture and vehicle finance is 23.75% per annum; and incidental credit is 2% per month.<\\/p>\\r\\n<p>Credit providers are also allowed to charge consumers an initiation fee. This is a fee charged to consumers for entering into credit agreements with credit providers. An initiation fee may never exceed 15% of the principal debt. A service fee can also be charged by the credit provider for servicing the credit agreement and it must not exceed R60 excluding VAT.<\\/p>\\r\\n<p>Other fees that credit providers can charge include credit life insurance which will cover the credit agreement in case the consumer dies, gets retrenched or disabled whilst they still owe the credit provider. This fee is also capped.<\\/p>\\r\\n<p>There is also a default administration charge which is a fee chargeable by credit providers if the consumer\\u2019s account is in arrears. It basically relates to costs incurred by credit providers in advising the consumer that their account is in arrears. Collection costs are costs incurred by a credit provider in attempting to collect outstanding or overdue debt from a consumer. They can also charge costs of an extended warranty agreement, delivery, installation, initial fueling charges, connection fees, levies or charges, taxes, license or registration fees.<\\/p>\\r\\n<p>Sebothoma advises consumers to get a pre-agreement statement and quotation when seeking credit as these will outline the cost of credit for the proposed agreement. \\u201cConsumers should not rush to signing anything at this point until they are clear and certain\\u201d, he adds.<\\/p>\\r\\n<p>He concludes by advising consumers to aim at paying off their debt and building up savings over the longer term.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>ENDS<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><br \\/> The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong><br \\/> Media Office:\\u00a0<span id=\\\"cloak11190\\\"><a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><\\/span>\\u00a0<br \\/> Or\\u00a0<br \\/> Lebogang Selibi<br \\/> (011)\\u00a0 554-2722<br \\/> E-mail:\\u00a0<span id=\\\"cloak13066\\\"><a href=\\\"mailto:lselibi@ncr.org.za\\\">lselibi@ncr.org.za<\\/a><\\/span><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-03-06 15:23:09\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-06-05 12:11:16\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-06-05 12:10:49\",\"publish_up\":\"2019-03-06 15:23:09\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":4,\"ordering\":\"12\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"36\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(221,3,1,'','2019-06-05 12:14:40',915,4925,'0bd540754d88e2556464dd0a64d9a8f4c11d2756','{\"id\":3,\"asset_id\":\"62\",\"title\":\"National Credit Regulator issues a public warning against fake loan scams\",\"alias\":\"national-credit-regulator-issues-a-public-warning-against-fake-loan-scams\",\"introtext\":\"<p align=\\\"right\\\">January 2019<\\/p>\\r\\n<p>[<strong>JOHANNESBURG<\\/strong>] The National Credit Regulator (NCR) has warned consumers to be wary of fake credit providers who attempt to entrap consumers in loan scams.<\\/p>\\r\\n<p>These scams\\u00a0typically target those who are in distressed financial circumstances and looking for a loan, using slogans such as \\u201cblacklisted\\u201d or \\u201cdebt review clients welcome\\u201d says Jacqueline Peters, Manager: Investigations and Enforcement at the NCR.\\u00a0<\\/p>\\r\\n<p>The increase in these types of scams comes at a time when credit approvals have decreased and consumers are finding themselves to be financially stretched.\\u00a0 This is the time to be more vigilant as it is in the vulnerable times that we should make wise decisions. The National Credit Act prohibits all advertisements for credit from utilising these prohibited terms and consumers should avoid engaging with any credit provider who advertises in this manner, she added.\\u00a0<\\/p>\\r\\n<p>The fake credit providers would generally use the details of legitimate credit providers and attempt to make one believe that they are endorsed by government agencies such as the NCR, one must not be misled and can look out for the typical signs. \\u00a0<\\/p>\\r\\n<p>Below is general advise for consumers to avoid scams:<\\/p>\\r\\n<ul>\\r\\n<li>Treat all unexpected calls, emails and sms messages with caution. Don\\u2019t assume they\\u2019re genuine, even if the person seems to know some basic information about you, such as your name; \\u00a0<\\/li>\\r\\n<li>Look out for the name on all e-mails, in case it is a \\u2018clone company\\u2019 pretending to be a real credit provider.<\\/li>\\r\\n<li>Do not pay any upfront fees to release your loans. The National Credit Act does not allow credit providers to request upfront payments for the release of a loan, if the \\u2018credit provider makes this request, do not engage further and report to the relevant authorities, such as the NCR or the SAPS;<\\/li>\\r\\n<li>Be aware of platforms and hidden fees included for sourcing a loan;<\\/li>\\r\\n<li>Don\\u2019t be pressured into acting quickly. A genuine credit provider won\\u2019t mind waiting if you want time to think and compare the costs of credit by using a quotation;<\\/li>\\r\\n<li>Do not engage with credit providers who do not conduct affordability assessments.\\u00a0 Furthermore, never give false or incorrect information on a credit application about your financial affairs.\\u00a0 Always disclose your financial obligations and living expenses fully.<\\/li>\\r\\n<li>Never borrow from an unregistered credit provider.<\\/li>\\r\\n<\\/ul>\\r\\n<p>\\u2018If the proposal is too good to be true, it usually is\\u2019.<\\/p>\\r\\n<p>If a consumer is unsure or in doubt about the legitimacy of the credit provider or agreement, they should contact the NCR on (011\\u00a0554 2600\\/2700 or visit our website at\\u00a0<a href=\\\"..\\/\\\">www.ncr.org.za<\\/a>.<\\/p>\\r\\n<p>Issued by: The National Credit Regulator<\\/p>\\r\\n<p align=\\\"center\\\">Ends<\\/p>\\r\\n<hr \\/>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-03-06 15:23:28\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-06-05 12:14:40\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-06-05 12:14:29\",\"publish_up\":\"2019-03-06 15:23:28\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":5,\"ordering\":\"11\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"23\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(224,62,1,'','2019-06-05 12:56:07',915,2830,'64c7f294cefc2c8f562042cac9baeec91de12efb','{\"id\":62,\"asset_id\":185,\"title\":\"Compliance Credit Bureau\",\"alias\":\"compliance-credit-bureau\",\"introtext\":\"<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/compliance_reports_cb\\/NCR FORM 43.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annual Compliance Report<\\/a><br \\/>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/compliance_reports_cb\\/Guidance_Explanatory_Notes_Form_43_for_Auditors_V.1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Guidance Explanatory Form 43 for Auditors<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/compliance_reports_cb\\/Guidance_Explanatory_Notes_Form_43_for_Credit_Bureaus_V.1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Guidance Explanatory Notes Form 43 for Credit Bureaus<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/compliance_reports_cb\\/Quarterly Synoptic Report ver 1.4 - 24102007.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Quarterly Synoptic Reports<\\/a><\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-06-05 12:56:07\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-06-05 12:56:07\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-06-05 12:56:07\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(226,31,5,'','2019-06-06 10:00:52',915,570,'c538267822fcb9fb25cf180f961219a4cfa39697','{\"id\":31,\"asset_id\":187,\"parent_id\":\"1\",\"lft\":\"57\",\"rgt\":58,\"level\":1,\"path\":null,\"extension\":\"com_content\",\"title\":\"Debt Counselling\",\"alias\":\"debtcounselling\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":null,\"checked_out_time\":null,\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2019-06-06 10:00:52\",\"modified_user_id\":null,\"modified_time\":\"2019-06-06 10:00:52\",\"hits\":\"0\",\"language\":\"*\",\"version\":null}',0),(227,63,1,'','2019-06-06 10:01:13',915,9437,'ed2ea450983a2a824a51367b831aa798385faddc','{\"id\":63,\"asset_id\":\"186\",\"title\":\"Debt Counselling\",\"alias\":\"debt-counselling\",\"introtext\":\"<p><strong>Mandate of the debt counselling department<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>To monitor compliance of Debt Counsellors, Credit Providers\\u2019 debt counselling departments and Payment Distribution Agents (PDAs) with the provisions of the National Credit Act as amended (NCA) and their conditions of registration.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>What is debt counselling? <\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Debt Counselling which is also referred to as debt review, is a debt relief measure which is provided for in the NCA, to assist over-indebted consumers struggling to pay their debts on a monthly basis.<\\/li>\\r\\n<li>To determine the over-indebtedness and how consumers can be assisted, an assessment of the consumer\\u2019s financial position is conducted by comparing the income of the consumer against the basic expenses and debt obligations of the consumer.<\\/li>\\r\\n<li>If the consumer is found to be over-indebted, negotiations with credit providers for reduced payments and restructuring of the debts will commence guided by the available income from the assessment of the consumer\\u2019s financial position.<\\/li>\\r\\n<li>Finally, the restructuring of the debts must be confirmed by the Magistrate Court or the National Consumer Tribunal(NCT) through a court order or consent order.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Who conducts debt counselling? <\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Debt counselling is conducted by a Debt Counsellor (DC) who is registered with the NCR. Upon registration, the DC is provided with a registration certificate which he\\/she should display at his\\/her place of practice and can be requested for inspection by the consumer if not displayed.<\\/li>\\r\\n<li>The DC has an obligation to explain the debt counselling process, disclose the applicable fees in writing and consequences of being under debt counselling to the consumer in detail to ensure that the consumer makes an informed decision.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>The debt counselling process<\\/strong><\\/p>\\r\\n<p><strong>Application Process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>A consumer with the assistance of a DC, will voluntarily apply for debt counselling by completing an application named Form 16 and submitting relevant documentation;<\\/li>\\r\\n<li>A DC will inform applicable credit providers and credit bureaus of the debt counselling application by issuing a Form 17.1 within five (5) business days of accepting the application from a consumer;<\\/li>\\r\\n<li>The applicable credit providers will send the DC the latest financial information on that particular credit agreement in a form of what is referred to as a Certificate of Balance(COB) within five (5) business days of receiving the notification for debt counselling application (Form 17.1).<\\/li>\\r\\n<li>A credit bureau will place a debt counselling flag on the consumer\\u2019s credit profile. This flag is not a negative listing or \\u201cBlacklisting\\u201d as mostly referred to, it is just an indicator that the consumer is under debt counselling.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Assessment process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>A DC will upon receipt on a COB conduct an assessment to determine if the consumer is over-indebted and arrive at the disposable income (amount available) to repay debt within thirty 30 business days of application;<\\/li>\\r\\n<li>After the assessment, the DC will either reject the application (if consumer not found to be over-indebted) or accept (if consumer found to be over-indebted) and communicate the outcomes with the consumer, credit providers and credit bureaus by means of a Form 17.2.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Negotiation process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>If your application is accepted, the DC will work out reduced payments for you based on the disposable income and make a proposal to your creditor providers;<\\/li>\\r\\n<li>If all credit providers accept the proposal for reduced payments, the DC will refer the matter to the NCT for a consent order;<\\/li>\\r\\n<li>If one or more creditor providers decline the proposal for reduced payments, the DC will refer the matter to the Magistrate Court for a decision;<\\/li>\\r\\n<li>If the Magistrate Court grants the court order, the DC will send the court order to the consumer and all applicable credit providers.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Restructuring process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Upon receipt of the consent order from the NCT or the court order from the Magistrate Court, the credit provider will restructure the credit agreements in alignment with terms of the court\\/consent order.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Payment process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>A consumer has a responsibility to make payments as advised by the DC from the initiation of the debt counselling process. Debt counselling does not offer any payment holiday; however, the DC will advise on how interim payments can be made;<\\/li>\\r\\n<li>A consumer who is under debt counselling can make payments directly to his\\/her credit providers; or<\\/li>\\r\\n<li>Make use of a Payment Distribution Agent(PDA) registered with the NCR to make payments.<\\/li>\\r\\n<li>A PDA is an entity registered by the NCR to collect and distribute debt counselling payments to credit providers on behalf of the consumer under debt counselling.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Clearance certificate process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>When all debts have been paid up and a DC has verified that, a DC will issue a clearance certificate and inform the credit bureaus to remove the debt counselling flag and expunge all information relating to consumer\\u2019s debts which were under debt counselling.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Applicable debt counselling fees<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>The debt counselling service is not offered for free and there are fees applicable. Please click on this link to view the applicable fees<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Important to note on the debt counselling process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>In terms of the NCA, the debt counselling process (i.e. the application, the negotiation process and the referral process to the Magistrates Court or the NCT) has to be completed within a period of 60 business days from application. Within this period, the consumer is protected against legal action (e.g. letter of demand, summons, repossession of assets, default judgment and others) from the credit providers.<\\/li>\\r\\n<li>There are prescribed forms that must be used by the debt counsellor to facilitate the debt counselling process. These forms must always be signed and dated by the relevant parties.<\\/li>\\r\\n<li>When a consumer applies for debt counselling, a debt counselling flag is placed on the consumer\\u2019s credit profile at the credit bureaus. This flag is not a negative listing or \\u201cBlacklisting\\u201d as mostly referred to, it is just an indicator that the consumer is under debt counselling.<\\/li>\\r\\n<li>A consumer who is under debt counselling cannot apply for further credit.<\\/li>\\r\\n<li>Reduced payments to credit providers must be made regularly by the consumer under debt counselling.<\\/li>\\r\\n<li>If a consumer defaults on payment whilst under debt counselling, the credit provider can terminate the debt counselling application and enforce legal steps against the consumer.<\\/li>\\r\\n<li>Once all debts have been paid up, a consumer will be issued a clearance certificate by the DC. The credit bureaus will remove the debt counselling indicator on the consumer\\u2019s credit bureau profile and records of accounts which were under debt counselling.<\\/li>\\r\\n<li>There are applicable fees when you apply for debt counselling (link or paste the table of fees).<\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"31\",\"created\":\"2019-06-06 09:53:22\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-06-06 10:01:13\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-06-06 10:00:57\",\"publish_up\":\"2019-06-06 09:53:22\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"6\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(228,63,1,'','2019-06-06 10:04:30',915,9510,'71f9571b87c27e9a22b61e1ec833a373d9f21efc','{\"id\":63,\"asset_id\":\"186\",\"title\":\"Debt Counselling\",\"alias\":\"debt-counselling\",\"introtext\":\"<p><strong>Mandate of the debt counselling department<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>To monitor compliance of Debt Counsellors, Credit Providers\\u2019 debt counselling departments and Payment Distribution Agents (PDAs) with the provisions of the National Credit Act as amended (NCA) and their conditions of registration.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>What is debt counselling? <\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Debt Counselling which is also referred to as debt review, is a debt relief measure which is provided for in the NCA, to assist over-indebted consumers struggling to pay their debts on a monthly basis.<\\/li>\\r\\n<li>To determine the over-indebtedness and how consumers can be assisted, an assessment of the consumer\\u2019s financial position is conducted by comparing the income of the consumer against the basic expenses and debt obligations of the consumer.<\\/li>\\r\\n<li>If the consumer is found to be over-indebted, negotiations with credit providers for reduced payments and restructuring of the debts will commence guided by the available income from the assessment of the consumer\\u2019s financial position.<\\/li>\\r\\n<li>Finally, the restructuring of the debts must be confirmed by the Magistrate Court or the National Consumer Tribunal(NCT) through a court order or consent order.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Who conducts debt counselling? <\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Debt counselling is conducted by a Debt Counsellor (DC) who is registered with the NCR. Upon registration, the DC is provided with a registration certificate which he\\/she should display at his\\/her place of practice and can be requested for inspection by the consumer if not displayed.<\\/li>\\r\\n<li>The DC has an obligation to explain the debt counselling process, disclose the applicable fees in writing and consequences of being under debt counselling to the consumer in detail to ensure that the consumer makes an informed decision.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>The debt counselling process<\\/strong><\\/p>\\r\\n<p><strong>Application Process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>A consumer with the assistance of a DC, will voluntarily apply for debt counselling by completing an application named Form 16 and submitting relevant documentation;<\\/li>\\r\\n<li>A DC will inform applicable credit providers and credit bureaus of the debt counselling application by issuing a Form 17.1 within five (5) business days of accepting the application from a consumer;<\\/li>\\r\\n<li>The applicable credit providers will send the DC the latest financial information on that particular credit agreement in a form of what is referred to as a Certificate of Balance(COB) within five (5) business days of receiving the notification for debt counselling application (Form 17.1).<\\/li>\\r\\n<li>A credit bureau will place a debt counselling flag on the consumer\\u2019s credit profile. This flag is not a negative listing or \\u201cBlacklisting\\u201d as mostly referred to, it is just an indicator that the consumer is under debt counselling.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Assessment process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>A DC will upon receipt on a COB conduct an assessment to determine if the consumer is over-indebted and arrive at the disposable income (amount available) to repay debt within thirty 30 business days of application;<\\/li>\\r\\n<li>After the assessment, the DC will either reject the application (if consumer not found to be over-indebted) or accept (if consumer found to be over-indebted) and communicate the outcomes with the consumer, credit providers and credit bureaus by means of a Form 17.2.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Negotiation process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>If your application is accepted, the DC will work out reduced payments for you based on the disposable income and make a proposal to your creditor providers;<\\/li>\\r\\n<li>If all credit providers accept the proposal for reduced payments, the DC will refer the matter to the NCT for a consent order;<\\/li>\\r\\n<li>If one or more creditor providers decline the proposal for reduced payments, the DC will refer the matter to the Magistrate Court for a decision;<\\/li>\\r\\n<li>If the Magistrate Court grants the court order, the DC will send the court order to the consumer and all applicable credit providers.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Restructuring process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Upon receipt of the consent order from the NCT or the court order from the Magistrate Court, the credit provider will restructure the credit agreements in alignment with terms of the court\\/consent order.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Payment process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>A consumer has a responsibility to make payments as advised by the DC from the initiation of the debt counselling process. Debt counselling does not offer any payment holiday; however, the DC will advise on how interim payments can be made;<\\/li>\\r\\n<li>A consumer who is under debt counselling can make payments directly to his\\/her credit providers; or<\\/li>\\r\\n<li>Make use of a Payment Distribution Agent(PDA) registered with the NCR to make payments.<\\/li>\\r\\n<li>A PDA is an entity registered by the NCR to collect and distribute debt counselling payments to credit providers on behalf of the consumer under debt counselling.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Clearance certificate process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>When all debts have been paid up and a DC has verified that, a DC will issue a clearance certificate and inform the credit bureaus to remove the debt counselling flag and expunge all information relating to consumer\\u2019s debts which were under debt counselling.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Applicable debt counselling fees<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>The debt counselling service is not offered for free and there are fees applicable. Please click on this link to view the applicable <a href=\\\"documents\\/debt counselling fee structure guideline.pdf\\\">fees<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Important to note on the debt counselling process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>In terms of the NCA, the debt counselling process (i.e. the application, the negotiation process and the referral process to the Magistrates Court or the NCT) has to be completed within a period of 60 business days from application. Within this period, the consumer is protected against legal action (e.g. letter of demand, summons, repossession of assets, default judgment and others) from the credit providers.<\\/li>\\r\\n<li>There are prescribed forms that must be used by the debt counsellor to facilitate the debt counselling process. These forms must always be signed and dated by the relevant parties.<\\/li>\\r\\n<li>When a consumer applies for debt counselling, a debt counselling flag is placed on the consumer\\u2019s credit profile at the credit bureaus. This flag is not a negative listing or \\u201cBlacklisting\\u201d as mostly referred to, it is just an indicator that the consumer is under debt counselling.<\\/li>\\r\\n<li>A consumer who is under debt counselling cannot apply for further credit.<\\/li>\\r\\n<li>Reduced payments to credit providers must be made regularly by the consumer under debt counselling.<\\/li>\\r\\n<li>If a consumer defaults on payment whilst under debt counselling, the credit provider can terminate the debt counselling application and enforce legal steps against the consumer.<\\/li>\\r\\n<li>Once all debts have been paid up, a consumer will be issued a clearance certificate by the DC. The credit bureaus will remove the debt counselling indicator on the consumer\\u2019s credit bureau profile and records of accounts which were under debt counselling.<\\/li>\\r\\n<li>There are applicable fees when you apply for debt counselling (link or paste the table of fees).<\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"31\",\"created\":\"2019-06-06 09:53:22\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-06-06 10:04:30\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-06-06 10:04:23\",\"publish_up\":\"2019-06-06 09:53:22\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":3,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"8\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(229,32,5,'','2019-06-10 14:30:43',915,588,'136617d21c6e36f871d2f391d2a8619a72637ab2','{\"id\":32,\"asset_id\":188,\"parent_id\":\"1\",\"lft\":\"59\",\"rgt\":60,\"level\":1,\"path\":null,\"extension\":\"com_content\",\"title\":\"Statistics and Research \",\"alias\":\"statistics-and-research\",\"note\":\"\",\"description\":\"\\t\",\"published\":\"1\",\"checked_out\":null,\"checked_out_time\":null,\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2019-06-10 14:30:43\",\"modified_user_id\":null,\"modified_time\":\"2019-06-10 14:30:43\",\"hits\":\"0\",\"language\":\"*\",\"version\":null}',0),(230,64,1,'','2019-06-10 14:32:35',915,2754,'25bc840d7e6cd212264961137cf8091762a67119','{\"id\":64,\"asset_id\":189,\"title\":\"Statistics and Research \",\"alias\":\"statistics-and-research\",\"introtext\":\"<p>Statistics and Research department is responsible for the collation, production and publication of statistical data. The data is collected in a prescribed format from registrant such as credit providers, credit bureaus, debt counsellors and credit life insurers. Our flagship reports emanating from the data are the Consumer Credit Market Report (CCMR) and Credit Bureau Monitor (CBM). These reports are produced on a quarterly basis. The reports are used and quoted extensively by a variety of stakeholders, including media, government, credit providers, industry analysts, investors, researchers and other decision makers.<\\/p>\\r\\n<p>The department is also responsible for conducting research in line with Sections 13 and 16 of the National Credit Act (NCA). The research requirements also take into account the prevailing trends and market conditions. The department may undertake research in line with requirements of the NCR executive committee or relevant minister<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"32\",\"created\":\"2019-06-10 14:32:35\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-06-10 14:32:35\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-06-10 14:32:35\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(231,62,1,'','2019-06-13 08:20:07',915,3738,'1fe146f6daf45fefb3e65c56f2185c9f69c15237','{\"id\":62,\"asset_id\":\"185\",\"title\":\"Compliance Credit Bureau\",\"alias\":\"compliance-credit-bureau\",\"introtext\":\"<p>Credit Information Department , regulates \\u00a0the operations of credit bureaus to ensure that they comply with the provisions of the National Credit Act, 2005 and the Regulations thereto (\\u201cNCA\\u201d).<\\/p>\\r\\n<p>In addition thereto the Department is responsible in ensuring that all credit bureaus adhere to credit reporting standards as prescribed by the National Credit Act and the Regulations in order to ensure that there is quality and \\u00a0accurate consumer credit information. Consumer credit Information plays a fundamental basis in respect of credit granting and it is outmost important that the information has to be accurate and up to date. The Department ensures that all credit bureaus adhere to maximum retention period of consumer credit information such as paid up judgments and adverse information and protection and confidentiality of the information.<\\/p>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/compliance_reports_cb\\/NCR FORM 43.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annual Compliance Report<\\/a><br \\/>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/compliance_reports_cb\\/Guidance_Explanatory_Notes_Form_43_for_Auditors_V.1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Guidance Explanatory Form 43 for Auditors<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/compliance_reports_cb\\/Guidance_Explanatory_Notes_Form_43_for_Credit_Bureaus_V.1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Guidance Explanatory Notes Form 43 for Credit Bureaus<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/compliance_reports_cb\\/Quarterly Synoptic Report ver 1.4 - 24102007.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Quarterly Synoptic Reports<\\/a><\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-06-05 12:56:07\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-06-13 08:20:07\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-06-13 08:19:44\",\"publish_up\":\"2019-06-05 12:56:07\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"6\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(232,49,1,'','2019-06-14 09:03:53',915,2775,'c941adf64f770d146c356d9177a9098d68408642','{\"id\":49,\"asset_id\":\"163\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul class=\\\"arrow-list\\\">\\r\\n<li><a href=\\\"documents\\/CP\\/Form 2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application form for registration as a credit provider<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/CP\\/Annexure Confirmation of payment of fees - CP 2017.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure Confirmation of payment of fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/CP\\/Preliminary Developmental credit guidelines.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Preliminary Developmental credit guidelines<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/CP\\/REGISTRATION AS A CREDIT PROVIDER.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">registration as a credit provider.docx<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/CP\\/Resolution pdf.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/CP\\/Service Provider List.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Service Provider List<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"27\",\"created\":\"2019-04-17 12:38:21\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-06-14 09:03:53\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-06-14 09:02:42\",\"publish_up\":\"2019-04-17 12:38:21\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":4,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"13\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(233,50,1,'','2019-06-14 09:06:31',915,2460,'01d461b327196fb6b729d15fe956786fb5069278','{\"id\":50,\"asset_id\":\"164\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul class=\\\"arrow-list\\\">\\r\\n<li><a href=\\\"documents\\/DC\\/form 4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application form for registration as a debt counsellor<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/DC\\/Annexure Confirmation of payment of fees - DC.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure Confirmation of payment of fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/DC\\/REGISTRATION AS A DEBT COUNSELLOR.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">registration as a debt counsellor<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/DC\\/Service Provider List.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Service Provider List<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"26\",\"created\":\"2019-04-17 12:44:45\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-06-14 09:06:31\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-06-14 09:04:21\",\"publish_up\":\"2019-04-17 12:44:45\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":3,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"6\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(234,54,1,'','2019-06-14 10:13:45',915,2769,'10667876bc981f632b1306b9b61cb3c53de59505','{\"id\":54,\"asset_id\":\"168\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul class=\\\"arrow-list\\\">\\r\\n<li><a href=\\\"documents\\/CB\\/form 5.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application form for registration as a credit bureau<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/CB\\/Annexure Confirmation of payment of fees - CB.DOCX\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure Confirmation of payment of fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/CB\\/Audit review for CB October 2017 updated doc.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Audit review for CB <\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/CB\\/REGISTRATION AS A CREDIT BUREAU.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Registration as a credit bureau.docx<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/CB\\/Resolution- Credit Bureau.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution - Credit Bureau<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/CB\\/Service Provider List.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Service Provider List<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"28\",\"created\":\"2019-04-17 13:35:37\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-06-14 10:13:45\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-06-14 10:12:00\",\"publish_up\":\"2019-04-17 13:35:37\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"3\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(235,53,1,'','2019-06-14 10:17:23',915,2772,'996964b49417a3c35e8c633bd8e402e2b6da5acd','{\"id\":53,\"asset_id\":\"167\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul class=\\\"arrow-list\\\">\\r\\n<li><a href=\\\"documents\\/PDA\\/Form 46.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application form for registration as a payment distribution agent<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/PDA\\/Annexure Confirmation of payment of fees - PDA.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure Confirmation of payment of fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/PDA\\/Audit review requirements for PDAs.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Audit review requirements for PDAs<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/PDA\\/REGISTRATION AS A PDA.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Registration as a Payment Distribution Agent<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/PDA\\/Resolution- PDA.DOC\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution - PDA<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/PDA\\/Service Provider List.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Service Provider List<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"25\",\"created\":\"2019-04-17 13:28:48\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-06-14 10:17:23\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-06-14 10:14:48\",\"publish_up\":\"2019-04-17 13:28:48\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"4\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(237,8,1,'','2019-06-21 09:53:35',915,2838,'99f062aa987e992d8c736786946f0ec3df085f58','{\"id\":8,\"asset_id\":\"92\",\"title\":\"Investigations and Enforcement\",\"alias\":\"investigations-and-enforcement\",\"introtext\":\"<p>Investigations and Enforcement Department is responsible for investigating non-compliance with the National Credit Act No. 34 of 2005 and taking the necessary enforcement action. The Department consist of inspectors who conduct research, audits and investigations and Legal Advisors who assess and enforce investigation findings by referring matters to the National Consumer Tribunal, and issuing compliance notices, non-referrals or instruction letters to address non-compliance.<\\/p>\\r\\n<p>The Department strives to bring about compliance with the National Credit Act and works closely with the Hawks and South African Police Services in conducting raids across the country in order to identify and protect the public against unscrupulous, fraudulent credit schemes, unregistered credit providers and credit providers who retains consumer\\u2019s instruments (i.e Bank Cards, SASSA Cards, Identity Documents, etc).<\\/p>\\r\\n<h3>High profile cases<\\/h3>\\r\\n<p>\\u00a0{loadmodule mod_easyaccordioncontent,High profile cases}<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"11\",\"created\":\"2019-03-14 15:18:28\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-06-21 09:53:35\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-06-21 09:50:35\",\"publish_up\":\"2019-03-14 15:18:28\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":31,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"191\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(238,8,1,'','2019-06-21 09:54:19',915,2838,'4d6b78efc48e97fbb6fb886b50123ba5444ee438','{\"id\":8,\"asset_id\":\"92\",\"title\":\"Investigations and Enforcement\",\"alias\":\"investigations-and-enforcement\",\"introtext\":\"<p>Investigations and Enforcement Department is responsible for investigating non-compliance with the National Credit Act No. 34 of 2005 and taking the necessary enforcement action. The Department consist of inspectors who conduct research, audits and investigations and Legal Advisors who assess and enforce investigation findings by referring matters to the National Consumer Tribunal, and issuing compliance notices, non-referrals or instruction letters to address non-compliance.<\\/p>\\r\\n<p>The Department strives to bring about compliance with the National Credit Act and works closely with the Hawks and South African Police Services in conducting raids across the country in order to identify and protect the public against unscrupulous, fraudulent credit schemes, unregistered credit providers and credit providers who retains consumer\\u2019s instruments (i.e Bank Cards, SASSA Cards, Identity Documents, etc).<\\/p>\\r\\n<h3>High Profile Cases<\\/h3>\\r\\n<p>\\u00a0{loadmodule mod_easyaccordioncontent,High profile cases}<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"11\",\"created\":\"2019-03-14 15:18:28\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-06-21 09:54:19\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-06-21 09:54:02\",\"publish_up\":\"2019-03-14 15:18:28\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":32,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"191\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(239,63,1,'','2019-06-24 13:58:31',915,9589,'7e095d262d29c8d6f97c507a92f70514538bfb6a','{\"id\":63,\"asset_id\":\"186\",\"title\":\"Debt Counselling\",\"alias\":\"debt-counselling\",\"introtext\":\"<p><strong>Mandate of the debt counselling department<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>To monitor compliance of Debt Counsellors, Credit Providers\\u2019 debt counselling departments and Payment Distribution Agents (PDAs) with the provisions of the National Credit Act as amended (NCA) and their conditions of registration.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>What is debt counselling? <\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Debt Counselling which is also referred to as debt review, is a debt relief measure which is provided for in the NCA, to assist over-indebted consumers struggling to pay their debts on a monthly basis.<\\/li>\\r\\n<li>To determine the over-indebtedness and how consumers can be assisted, an assessment of the consumer\\u2019s financial position is conducted by comparing the income of the consumer against the basic expenses and debt obligations of the consumer.<\\/li>\\r\\n<li>If the consumer is found to be over-indebted, negotiations with credit providers for reduced payments and restructuring of the debts will commence guided by the available income from the assessment of the consumer\\u2019s financial position.<\\/li>\\r\\n<li>Finally, the restructuring of the debts must be confirmed by the Magistrate Court or the National Consumer Tribunal(NCT) through a court order or consent order.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Who conducts debt counselling? <\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Debt counselling is conducted by a Debt Counsellor (DC) who is registered with the NCR. Upon registration, the DC is provided with a registration certificate which he\\/she should display at his\\/her place of practice and can be requested for inspection by the consumer if not displayed.<\\/li>\\r\\n<li>The DC has an obligation to explain the debt counselling process, disclose the applicable fees in writing and consequences of being under debt counselling to the consumer in detail to ensure that the consumer makes an informed decision.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>The debt counselling process<\\/strong><\\/p>\\r\\n<p><strong>Application Process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>A consumer with the assistance of a DC, will voluntarily apply for debt counselling by completing an application named Form 16 and submitting relevant documentation;<\\/li>\\r\\n<li>A DC will inform applicable credit providers and credit bureaus of the debt counselling application by issuing a Form 17.1 within five (5) business days of accepting the application from a consumer;<\\/li>\\r\\n<li>The applicable credit providers will send the DC the latest financial information on that particular credit agreement in a form of what is referred to as a Certificate of Balance(COB) within five (5) business days of receiving the notification for debt counselling application (Form 17.1).<\\/li>\\r\\n<li>A credit bureau will place a debt counselling flag on the consumer\\u2019s credit profile. This flag is not a negative listing or \\u201cBlacklisting\\u201d as mostly referred to, it is just an indicator that the consumer is under debt counselling.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Assessment process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>A DC will upon receipt on a COB conduct an assessment to determine if the consumer is over-indebted and arrive at the disposable income (amount available) to repay debt within thirty 30 business days of application;<\\/li>\\r\\n<li>After the assessment, the DC will either reject the application (if consumer not found to be over-indebted) or accept (if consumer found to be over-indebted) and communicate the outcomes with the consumer, credit providers and credit bureaus by means of a Form 17.2.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Negotiation process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>If your application is accepted, the DC will work out reduced payments for you based on the disposable income and make a proposal to your creditor providers;<\\/li>\\r\\n<li>If all credit providers accept the proposal for reduced payments, the DC will refer the matter to the NCT for a consent order;<\\/li>\\r\\n<li>If one or more creditor providers decline the proposal for reduced payments, the DC will refer the matter to the Magistrate Court for a decision;<\\/li>\\r\\n<li>If the Magistrate Court grants the court order, the DC will send the court order to the consumer and all applicable credit providers.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Restructuring process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Upon receipt of the consent order from the NCT or the court order from the Magistrate Court, the credit provider will restructure the credit agreements in alignment with terms of the court\\/consent order.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Payment process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>A consumer has a responsibility to make payments as advised by the DC from the initiation of the debt counselling process. Debt counselling does not offer any payment holiday; however, the DC will advise on how interim payments can be made;<\\/li>\\r\\n<li>A consumer who is under debt counselling can make payments directly to his\\/her credit providers; or<\\/li>\\r\\n<li>Make use of a Payment Distribution Agent(PDA) registered with the NCR to make payments.<\\/li>\\r\\n<li>A PDA is an entity registered by the NCR to collect and distribute debt counselling payments to credit providers on behalf of the consumer under debt counselling.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Clearance certificate process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>When all debts have been paid up and a DC has verified that, a DC will issue a clearance certificate and inform the credit bureaus to remove the debt counselling flag and expunge all information relating to consumer\\u2019s debts which were under debt counselling.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Applicable debt counselling fees<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>The debt counselling service is not offered for free and there are fees applicable. Please click on this link to view the applicable <a href=\\\"documents\\/debt counselling fee structure guideline.pdf\\\">fees<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Important to note on the debt counselling process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>In terms of the NCA, the debt counselling process (i.e. the application, the negotiation process and the referral process to the Magistrates Court or the NCT) has to be completed within a period of 60 business days from application. Within this period, the consumer is protected against legal action (e.g. letter of demand, summons, repossession of assets, default judgment and others) from the credit providers.<\\/li>\\r\\n<li>There are prescribed forms that must be used by the debt counsellor to facilitate the debt counselling process. These forms must always be signed and dated by the relevant parties.<\\/li>\\r\\n<li>When a consumer applies for debt counselling, a debt counselling flag is placed on the consumer\\u2019s credit profile at the credit bureaus. This flag is not a negative listing or \\u201cBlacklisting\\u201d as mostly referred to, it is just an indicator that the consumer is under debt counselling.<\\/li>\\r\\n<li>A consumer who is under debt counselling cannot apply for further credit.<\\/li>\\r\\n<li>Reduced payments to credit providers must be made regularly by the consumer under debt counselling.<\\/li>\\r\\n<li>If a consumer defaults on payment whilst under debt counselling, the credit provider can terminate the debt counselling application and enforce legal steps against the consumer.<\\/li>\\r\\n<li>Once all debts have been paid up, a consumer will be issued a clearance certificate by the DC. The credit bureaus will remove the debt counselling indicator on the consumer\\u2019s credit bureau profile and records of accounts which were under debt counselling.<\\/li>\\r\\n<li>There are applicable\\u00a0<a href=\\\"documents\\/debt counselling fee structure guideline.pdf\\\">fees<\\/a> when you apply for debt counselling (link or paste the table of fees).<\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"31\",\"created\":\"2019-06-06 09:53:22\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-06-24 13:58:31\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-06-24 13:57:24\",\"publish_up\":\"2019-06-06 09:53:22\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":4,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"23\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(240,63,1,'','2019-06-24 14:01:53',915,9584,'fcfc290ac6b72258bcf89171bc1f09019032aa0e','{\"id\":63,\"asset_id\":\"186\",\"title\":\"Debt Counselling\",\"alias\":\"debt-counselling\",\"introtext\":\"<p><strong>Mandate of the debt counselling department<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>To monitor compliance of Debt Counsellors, Credit Providers\\u2019 debt counselling departments and Payment Distribution Agents (PDAs) with the provisions of the National Credit Act as amended (NCA) and their conditions of registration.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>What is debt counselling? <\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Debt Counselling which is also referred to as debt review, is a debt relief measure which is provided for in the NCA, to assist over-indebted consumers struggling to pay their debts on a monthly basis.<\\/li>\\r\\n<li>To determine the over-indebtedness and how consumers can be assisted, an assessment of the consumer\\u2019s financial position is conducted by comparing the income of the consumer against the basic expenses and debt obligations of the consumer.<\\/li>\\r\\n<li>If the consumer is found to be over-indebted, negotiations with credit providers for reduced payments and restructuring of the debts will commence guided by the available income from the assessment of the consumer\\u2019s financial position.<\\/li>\\r\\n<li>Finally, the restructuring of the debts must be confirmed by the Magistrate Court or the National Consumer Tribunal(NCT) through a court order or consent order.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Who conducts debt counselling? <\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Debt counselling is conducted by a Debt Counsellor (DC) who is registered with the NCR. Upon registration, the DC is provided with a registration certificate which he\\/she should display at his\\/her place of practice and can be requested for inspection by the consumer if not displayed.<\\/li>\\r\\n<li>The DC has an obligation to explain the debt counselling process, disclose the applicable fees in writing and consequences of being under debt counselling to the consumer in detail to ensure that the consumer makes an informed decision.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>The debt counselling process<\\/strong><\\/p>\\r\\n<p><strong>Application Process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>A consumer with the assistance of a DC, will voluntarily apply for debt counselling by completing an application named Form 16 and submitting relevant documentation;<\\/li>\\r\\n<li>A DC will inform applicable credit providers and credit bureaus of the debt counselling application by issuing a Form 17.1 within five (5) business days of accepting the application from a consumer;<\\/li>\\r\\n<li>The applicable credit providers will send the DC the latest financial information on that particular credit agreement in a form of what is referred to as a Certificate of Balance(COB) within five (5) business days of receiving the notification for debt counselling application (Form 17.1).<\\/li>\\r\\n<li>A credit bureau will place a debt counselling flag on the consumer\\u2019s credit profile. This flag is not a negative listing or \\u201cBlacklisting\\u201d as mostly referred to, it is just an indicator that the consumer is under debt counselling.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Assessment process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>A DC will upon receipt on a COB conduct an assessment to determine if the consumer is over-indebted and arrive at the disposable income (amount available) to repay debt within thirty 30 business days of application;<\\/li>\\r\\n<li>After the assessment, the DC will either reject the application (if consumer not found to be over-indebted) or accept (if consumer found to be over-indebted) and communicate the outcomes with the consumer, credit providers and credit bureaus by means of a Form 17.2.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Negotiation process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>If your application is accepted, the DC will work out reduced payments for you based on the disposable income and make a proposal to your creditor providers;<\\/li>\\r\\n<li>If all credit providers accept the proposal for reduced payments, the DC will refer the matter to the NCT for a consent order;<\\/li>\\r\\n<li>If one or more creditor providers decline the proposal for reduced payments, the DC will refer the matter to the Magistrate Court for a decision;<\\/li>\\r\\n<li>If the Magistrate Court grants the court order, the DC will send the court order to the consumer and all applicable credit providers.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Restructuring process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Upon receipt of the consent order from the NCT or the court order from the Magistrate Court, the credit provider will restructure the credit agreements in alignment with terms of the court\\/consent order.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Payment process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>A consumer has a responsibility to make payments as advised by the DC from the initiation of the debt counselling process. Debt counselling does not offer any payment holiday; however, the DC will advise on how interim payments can be made;<\\/li>\\r\\n<li>A consumer who is under debt counselling can make payments directly to his\\/her credit providers; or<\\/li>\\r\\n<li>Make use of a Payment Distribution Agent(PDA) registered with the NCR to make payments.<\\/li>\\r\\n<li>A PDA is an entity registered by the NCR to collect and distribute debt counselling payments to credit providers on behalf of the consumer under debt counselling.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Clearance certificate process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>When all debts have been paid up and a DC has verified that, a DC will issue a clearance certificate and inform the credit bureaus to remove the debt counselling flag and expunge all information relating to consumer\\u2019s debts which were under debt counselling.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Applicable debt counselling fees<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>The debt counselling service is not offered for free and there are fees applicable. Please click on this link to view the applicable <a href=\\\"documents\\/debt counselling fee structure guideline.pdf\\\">fees<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Important to note on the debt counselling process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>In terms of the NCA, the debt counselling process (i.e. the application, the negotiation process and the referral process to the Magistrates Court or the NCT) has to be completed within a period of 60 business days from application. Within this period, the consumer is protected against legal action (e.g. letter of demand, summons, repossession of assets, default judgment and others) from the credit providers.<\\/li>\\r\\n<li>There are prescribed forms that must be used by the debt counsellor to facilitate the debt counselling process. These forms must always be signed and dated by the relevant parties.<\\/li>\\r\\n<li>When a consumer applies for debt counselling, a debt counselling flag is placed on the consumer\\u2019s credit profile at the credit bureaus. This flag is not a negative listing or \\u201cBlacklisting\\u201d as mostly referred to, it is just an indicator that the consumer is under debt counselling.<\\/li>\\r\\n<li>A consumer who is under debt counselling cannot apply for further credit.<\\/li>\\r\\n<li>Reduced payments to credit providers must be made regularly by the consumer under debt counselling.<\\/li>\\r\\n<li>If a consumer defaults on payment whilst under debt counselling, the credit provider can terminate the debt counselling application and enforce legal steps against the consumer.<\\/li>\\r\\n<li>Once all debts have been paid up, a consumer will be issued a clearance certificate by the DC. The credit bureaus will remove the debt counselling indicator on the consumer\\u2019s credit bureau profile and records of accounts which were under debt counselling.<\\/li>\\r\\n<li>There are applicable\\u00a0fees when you apply for debt counselling. <a href=\\\"documents\\/debt counselling fee structure guideline.pdf\\\">Click here to view the fees<\\/a>.<\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"31\",\"created\":\"2019-06-06 09:53:22\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-06-24 14:01:53\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-06-24 13:58:31\",\"publish_up\":\"2019-06-06 09:53:22\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":5,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"27\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(241,8,1,'','2019-06-24 15:14:28',915,2825,'4cd8815e607c578be990837db72a26fef42931b5','{\"id\":8,\"asset_id\":\"92\",\"title\":\"Investigations and Enforcement\",\"alias\":\"investigations-and-enforcement\",\"introtext\":\"<p>Investigations and Enforcement Department is responsible for investigating non-compliance with the National Credit Act No. 34 of 2005 and taking the necessary enforcement action. The Department consist of inspectors who conduct research, audits and investigations and Legal Advisors who assess and enforce investigation findings by referring matters to the National Consumer Tribunal, and issuing compliance notices, non-referrals or instruction letters to address non-compliance.<\\/p>\\r\\n<p>The Department strives to bring about compliance with the National Credit Act and works closely with the Hawks and South African Police Services in conducting raids across the country in order to identify and protect the public against unscrupulous, fraudulent credit schemes, unregistered credit providers and credit providers who retains consumer\\u2019s instruments (i.e Bank Cards, SASSA Cards, Identity Documents, etc).<\\/p>\\r\\n<h3>Cases<\\/h3>\\r\\n<p>\\u00a0{loadmodule mod_easyaccordioncontent,High profile cases}<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"11\",\"created\":\"2019-03-14 15:18:28\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-06-24 15:14:28\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-06-24 15:14:21\",\"publish_up\":\"2019-03-14 15:18:28\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":34,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"205\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(242,8,1,'','2019-06-24 15:14:52',915,2812,'21caea8af1fa53016c32c5bb8cebdf2bd3d2b008','{\"id\":8,\"asset_id\":\"92\",\"title\":\"Investigations and Enforcement\",\"alias\":\"investigations-and-enforcement\",\"introtext\":\"<p>Investigations and Enforcement Department is responsible for investigating non-compliance with the National Credit Act No. 34 of 2005 and taking the necessary enforcement action. The Department consist of inspectors who conduct research, audits and investigations and Legal Advisors who assess and enforce investigation findings by referring matters to the National Consumer Tribunal, and issuing compliance notices, non-referrals or instruction letters to address non-compliance.<\\/p>\\r\\n<p>The Department strives to bring about compliance with the National Credit Act and works closely with the Hawks and South African Police Services in conducting raids across the country in order to identify and protect the public against unscrupulous, fraudulent credit schemes, unregistered credit providers and credit providers who retains consumer\\u2019s instruments (i.e Bank Cards, SASSA Cards, Identity Documents, etc).<\\/p>\\r\\n<h3>Cases<\\/h3>\\r\\n<p>\\u00a0{loadmodule mod_easyaccordioncontent,Cases}<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"11\",\"created\":\"2019-03-14 15:18:28\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-06-24 15:14:52\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-06-24 15:14:28\",\"publish_up\":\"2019-03-14 15:18:28\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":35,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"206\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(243,28,1,'','2019-06-24 15:18:03',915,3295,'bf3c240c48b19a261d8268c671904076d7c68cd7','{\"id\":28,\"asset_id\":\"132\",\"title\":\"PAIA\",\"alias\":\"legislation\",\"introtext\":\"<p><strong>PAIA Manual<\\/strong><\\/p>\\r\\n<p>\\u00a0The Promotion of Access to Information Act No.2 of 2000 (\\u201cPAIA\\u201d) gives effect to the right of access to information as provided for in section 32 of the Constitution, subject to justifiable limitations, including, but not limited to, limitations aimed at the reasonable protection of privacy, commercial confidentiality, and effective, efficient and good governance.<\\/p>\\r\\n<p><a href=\\\"documents\\/PAIA MANUAL.pdf\\\">Click here to download the PAIA Manual<\\/a><br \\/><br \\/> <a href=\\\"documents\\/PAIA REQUEST FORM.docx\\\">Click here to download Request Form<\\/a><\\/p>\\r\\n<!--<p><strong>February 2017<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a title=\\\"Final Credit Life Insurance Regulations\\\" href=\\\"documents\\/Final Credit Life Insurance Regulations.pdf\\\" target=\\\"_blank\\\">Final Credit Life Insurance Regulations<\\/a><\\/li>\\r\\n<\\/ul>-->\\r\\n<p><strong>March 2016<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a title=\\\"Review of Limitations on Fees and Interest Rates Regulations\\\" href=\\\"documents\\/Review of Limitations on Fees and Interest Rates Regulations.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Review of Limitations on Fees and Interest Rates Regulations<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<!--<p><strong>July 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"publications\\/Legislation\\/Draft-regulations-limitations-of-fees-and-interest-rates_20150625.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Draft Regulations: Limitation of Fees and Interest Rates<\\/a><\\/li>-->\\r\\n<p>\\u00a0<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"30\",\"created\":\"2019-04-02 12:41:23\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-06-24 15:18:03\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-06-24 15:17:45\",\"publish_up\":\"2019-04-02 12:41:23\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":4,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"34\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(244,30,5,'','2019-06-24 15:18:37',915,587,'b4973db8781c2a5b748871aea6d09ecfb1c1325d','{\"id\":30,\"asset_id\":\"184\",\"parent_id\":\"1\",\"lft\":\"55\",\"rgt\":\"56\",\"level\":\"1\",\"path\":\"legislation\",\"extension\":\"com_content\",\"title\":\"PAIA\",\"alias\":\"legislation\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-06-24 15:18:33\",\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2019-06-04 14:49:37\",\"modified_user_id\":\"915\",\"modified_time\":\"2019-06-24 15:18:37\",\"hits\":\"0\",\"language\":\"*\",\"version\":\"1\"}',0),(245,30,5,'','2019-06-24 15:19:50',915,621,'b561576a1e96c4d7b6c4d230b885f53caffa7260','{\"id\":30,\"asset_id\":\"184\",\"parent_id\":\"1\",\"lft\":\"55\",\"rgt\":\"56\",\"level\":\"1\",\"path\":\"legislation\",\"extension\":\"com_content\",\"title\":\"Promotion of Access to Information Act\",\"alias\":\"legislation\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-06-24 15:18:37\",\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2019-06-04 14:49:37\",\"modified_user_id\":\"915\",\"modified_time\":\"2019-06-24 15:19:50\",\"hits\":\"0\",\"language\":\"*\",\"version\":\"1\"}',0),(246,28,1,'','2019-06-24 15:20:08',915,3329,'42525a08aea87fd7573ffd40069cad9d6ffb795f','{\"id\":28,\"asset_id\":\"132\",\"title\":\"Promotion of Access to Information Act\",\"alias\":\"legislation\",\"introtext\":\"<p><strong>PAIA Manual<\\/strong><\\/p>\\r\\n<p>\\u00a0The Promotion of Access to Information Act No.2 of 2000 (\\u201cPAIA\\u201d) gives effect to the right of access to information as provided for in section 32 of the Constitution, subject to justifiable limitations, including, but not limited to, limitations aimed at the reasonable protection of privacy, commercial confidentiality, and effective, efficient and good governance.<\\/p>\\r\\n<p><a href=\\\"documents\\/PAIA MANUAL.pdf\\\">Click here to download the PAIA Manual<\\/a><br \\/><br \\/> <a href=\\\"documents\\/PAIA REQUEST FORM.docx\\\">Click here to download Request Form<\\/a><\\/p>\\r\\n<!--<p><strong>February 2017<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a title=\\\"Final Credit Life Insurance Regulations\\\" href=\\\"documents\\/Final Credit Life Insurance Regulations.pdf\\\" target=\\\"_blank\\\">Final Credit Life Insurance Regulations<\\/a><\\/li>\\r\\n<\\/ul>-->\\r\\n<p><strong>March 2016<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a title=\\\"Review of Limitations on Fees and Interest Rates Regulations\\\" href=\\\"documents\\/Review of Limitations on Fees and Interest Rates Regulations.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Review of Limitations on Fees and Interest Rates Regulations<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<!--<p><strong>July 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"publications\\/Legislation\\/Draft-regulations-limitations-of-fees-and-interest-rates_20150625.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Draft Regulations: Limitation of Fees and Interest Rates<\\/a><\\/li>-->\\r\\n<p>\\u00a0<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"30\",\"created\":\"2019-04-02 12:41:23\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-06-24 15:20:08\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-06-24 15:20:04\",\"publish_up\":\"2019-04-02 12:41:23\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":5,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"38\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(247,64,1,'','2019-06-24 15:28:27',915,2777,'ed79f1ce142df7c3e191aa63f34ca6f30082424a','{\"id\":64,\"asset_id\":\"189\",\"title\":\"Statistics and Research \",\"alias\":\"statistics-and-research\",\"introtext\":\"<p>Statistics and Research Department is responsible for the collation, production and publication of statistical data. The data is collected in a prescribed format from registrant such as Credit Providers, Credit Bureaus, Debt Counsellors and Credit Life Insurers. Our flagship reports, emanating from the data, are the Consumer Credit Market Report (CCMR) and Credit Bureau Monitor (CBM). These reports are produced on a quarterly basis. The reports are used and quoted extensively by a variety of stakeholders, including media, government, credit providers, industry analysts, investors, researchers and other decision makers.<\\/p>\\r\\n<p>The Department is also responsible for conducting research in line with Sections 13 and 16 of the National Credit Act (NCA). The research requirements also take into account the prevailing trends and market conditions. The department may undertake research in line with requirements of the NCR executive committee or relevant minister.<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"32\",\"created\":\"2019-06-10 14:32:35\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-06-24 15:28:27\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-06-24 15:24:40\",\"publish_up\":\"2019-06-10 14:32:35\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"13\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(248,21,1,'','2019-06-24 15:31:00',915,5601,'6ab553804863c71e321c9742c83465d77fe3372e','{\"id\":21,\"asset_id\":\"117\",\"title\":\"Download the act\",\"alias\":\"download-the-act\",\"introtext\":\"<p>National Credit ACT To promote a fair and non-discriminatory marketplace for access to consumer credit and for that purpose to provide for the general regulation of consumer credit and improved standards of consumer information;<\\/p>\\r\\n<ul>\\r\\n<li>to promote black economic empowerment and ownership within the consumer credit industry;<\\/li>\\r\\n<li>to prohibit certain unfair credit and credit-marketing practices;<\\/li>\\r\\n<li>to promote responsible credit granting and use and for that purpose to prohibit reckless credit granting; to provide for debt re-organisation in cases of over-indebtedness; to regulate credit information;<\\/li>\\r\\n<li>to provide for registration of credit bureaux, credit providers and debt counselling services;<\\/li>\\r\\n<li>to establish national norms and standards relating to consumer credit;<\\/li>\\r\\n<li>to promote a consistent enforcement framework relating to consumer credit;<\\/li>\\r\\n<li>to establish the National Credit Regulator and the National Consumer Tribunal;<\\/li>\\r\\n<li>to repeal the Usury Act, 1968, and the Credit Agreements Act, 1980; and to provide for related incidental matters.<\\/li>\\r\\n<\\/ul>\\r\\n<p><a href=\\\"documents\\/pages\\/download_act\\/NATIONAL_CREDIT_ACT.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">click here to download the act<\\/a><\\/p>\\r\\n<h4>National Credit Regulations<\\/h4>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/Acts\\/Final Credit Life Insurance Regulations.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Final Credit Life Insurance Regulation<\\/a><\\/li>\\r\\n<!--<li><a href=\\\"documents\\/pages\\/Acts\\/SKM_C284e15111716420.compressed.pdf\\\" target=\\\"_blank\\\">Draft Credit Life Insurance Regulation, 2015<\\/a><\\/li>-->\\r\\n<li><a href=\\\"documents\\/pages\\/Acts\\/SKM_C284e15110908440.compressed.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Review of Limitations on Fees and Interest Rates Regulations<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<h4>Implementation Schedule<\\/h4>\\r\\n<p>In terms of section 173 of the National Credit Act No. 34 of 2005 (The Act), the following dates have been fixed for the implementation of the stated sections of The Act.<\\/p>\\r\\n<ul>\\r\\n<li><strong>1 June 2006<\\/strong> as the date on which sections 1 to 11 (Chapter 1); sections 12 to 25 and 35 to 38 (Chapter 2 Part A, C and D); sections 39 to 59 (Chapter 3); section 69; section 73; sections 134 to 152 (Chapter 7); sections 153 to 162 and sections 164 to 170 (Chapter 8 excluding section 163); sections 171 to 173 (Chapter 9); Schedule 1; Schedule 2 and Schedule 3 shall come into operation;<\\/li>\\r\\n<li><strong>1 September 2006<\\/strong> as the date on which sections 26 to 34 (Chapter 2 Part B); sections 67, 68, 70 and 72 shall come into operation;<\\/li>\\r\\n<li><strong>1 June 2007<\\/strong> as the date on which sections 60 to 66 (Chapter 4 Part A); section 71; sections 74 to 88 (Chapter 4 Part C and D); sections 89 to 123 (Chapter 5); sections 124 to 133 (Chapter 6); and section 163 shall come into operation.<\\/li>\\r\\n<\\/ul>\\r\\n<p><a href=\\\"documents\\/pages\\/implementation_schedule\\/0510165505_2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the proclamation<\\/a><\\/p>\\r\\n<h4>Ministerial Notice Regarding Thresholds<\\/h4>\\r\\n<p>Determination of Thresholds<\\/p>\\r\\n<p>In terms of section 7.(1), 10(1) and the 42(1) of the National Credit Act, 2005 (Act No.34 of2005) I, mandisi Mpahlwa, Minister of Trade and Industry, do hereby make the determination of thresholds as set out in the schedle hereto.<\\/p>\\r\\n<p><a href=\\\"documents\\/pages\\/ministerial_notice_regarding_thresholds\\/1_28893_1_6_Trade.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Read more<\\/a><\\/p>\\r\\n<p><a href=\\\"documents\\/pages\\/ministerial_notice_regarding_thresholds\\/Threshold Regulation.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Read more<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"19\",\"created\":\"2019-03-26 09:46:26\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-06-24 15:31:00\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-06-24 15:29:48\",\"publish_up\":\"2019-03-26 09:46:26\",\"publish_down\":\"0000-00-00 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00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"0\\\",\\\"link_titles\\\":\\\"0\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":4,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"9\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(254,8,1,'','2019-06-26 14:17:16',915,2820,'adfe10731e00a9210566345c1e257b62ff3d4ced','{\"id\":8,\"asset_id\":\"92\",\"title\":\"Investigations and Enforcement\",\"alias\":\"investigations-and-enforcement\",\"introtext\":\"<p>Investigations and Enforcement Department is responsible for investigating non-compliance with the National Credit Act No. 34 of 2005 and taking the necessary enforcement action. The Department consist of inspectors who conduct research, audits and investigations and Legal Advisors who assess and enforce investigation findings by referring matters to the National Consumer Tribunal, and issuing compliance notices, non-referrals or instruction letters to address non-compliance.<\\/p>\\r\\n<p>The Department strives to bring about compliance with the National Credit Act and works closely with the Hawks and South African Police Services in conducting raids across the country in order to identify and protect the public against unscrupulous, fraudulent credit schemes, unregistered credit providers and credit providers who retains consumer\\u2019s instruments (i.e Bank Cards, SASSA Cards, Identity Documents, etc).<\\/p>\\r\\n<h3>Notable Cases<\\/h3>\\r\\n<p>\\u00a0{loadmodule mod_easyaccordioncontent,Cases}<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"11\",\"created\":\"2019-03-14 15:18:28\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-06-26 14:17:16\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-06-26 14:16:49\",\"publish_up\":\"2019-03-14 15:18:28\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":36,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"220\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(255,21,1,'','2019-06-26 14:19:52',915,3714,'a9403d3fc21d13f399aaadcc3db4097b90aba516','{\"id\":21,\"asset_id\":\"117\",\"title\":\"Download the act\",\"alias\":\"download-the-act\",\"introtext\":\"<p>National Credit ACT To promote a fair and non-discriminatory marketplace for access to consumer credit and for that purpose to provide for the general regulation of consumer credit and improved standards of consumer information;<\\/p>\\r\\n<ul>\\r\\n<li>to promote black economic empowerment and ownership within the consumer credit industry;<\\/li>\\r\\n<li>to prohibit certain unfair credit and credit-marketing practices;<\\/li>\\r\\n<li>to promote responsible credit granting and use and for that purpose to prohibit reckless credit granting; to provide for debt re-organisation in cases of over-indebtedness; to regulate credit information;<\\/li>\\r\\n<li>to provide for registration of credit bureaux, credit providers and debt counselling services;<\\/li>\\r\\n<li>to establish national norms and standards relating to consumer credit;<\\/li>\\r\\n<li>to promote a consistent enforcement framework relating to consumer credit;<\\/li>\\r\\n<li>to establish the National Credit Regulator and the National Consumer Tribunal;<\\/li>\\r\\n<li>to repeal the Usury Act, 1968, and the Credit Agreements Act, 1980; and to provide for related incidental matters.<\\/li>\\r\\n<\\/ul>\\r\\n<p><a href=\\\"documents\\/pages\\/download_act\\/NATIONAL_CREDIT_ACT.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">click here to download the act<\\/a><\\/p>\\r\\n<h4>National Credit Regulations<\\/h4>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/Acts\\/Final Credit Life Insurance Regulations.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Final Credit Life Insurance Regulation<\\/a><\\/li>\\r\\n<!--<li><a href=\\\"documents\\/pages\\/Acts\\/SKM_C284e15111716420.compressed.pdf\\\" target=\\\"_blank\\\">Draft Credit Life Insurance Regulation, 2015<\\/a><\\/li>-->\\r\\n<li><a href=\\\"documents\\/pages\\/Acts\\/SKM_C284e15110908440.compressed.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Review of Limitations on Fees and Interest Rates Regulations<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<h4>\\u00a0<\\/h4>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"19\",\"created\":\"2019-03-26 09:46:26\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-06-26 14:19:52\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-06-26 14:19:08\",\"publish_up\":\"2019-03-26 09:46:26\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":9,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"41\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(256,67,1,'','2019-06-27 08:47:26',915,2696,'6f061f0cefc29e22c0b6d6556efb5e67e00beced','{\"id\":67,\"asset_id\":196,\"title\":\"Background Documents on the NCA\",\"alias\":\"background-documents-on-the-nca-2\",\"introtext\":\"<h4>Credit law review: setting the scene<\\/h4>\\r\\n<p><img src=\\\"images\\/NCA_document_1.jpg\\\" alt=\\\"\\\" \\/><\\/p>\\r\\n<p><a href=\\\"documents\\/pages\\/background_documents\\/Introduction-RevNo1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Click here to view the Credit law review: setting the scene<\\/a><\\/p>\\r\\n<hr \\/>\\r\\n<h4>Credit Law Review | August 2003<\\/h4>\\r\\n<p><img src=\\\"images\\/NCA_document_2.jpg\\\" alt=\\\"\\\" \\/><\\/p>\\r\\n<p><a href=\\\"documents\\/pages\\/background_documents\\/Summary of Findings.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Click here to view the Credit Law Review<\\/a><\\/p>\\r\\n<hr \\/>\\r\\n<h4>Making Credit Markets Work | A Policy Framework for Consumer Credit<\\/h4>\\r\\n<p><img src=\\\"images\\/NCA_document_3.jpg\\\" alt=\\\"\\\" \\/><\\/p>\\r\\n<p><a href=\\\"documents\\/pages\\/background_documents\\/Credit Law Review.pdf\\\">Click here to view the Making Credit Markets Work<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"19\",\"created\":\"2019-06-27 08:47:26\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-06-27 08:47:26\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-06-27 08:47:26\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(257,21,1,'','2019-06-28 09:27:49',915,3855,'145944376c8cdbfa22331527a44fcd075515cf7d','{\"id\":21,\"asset_id\":\"117\",\"title\":\"Download the act\",\"alias\":\"download-the-act\",\"introtext\":\"<p>National Credit ACT To promote a fair and non-discriminatory marketplace for access to consumer credit and for that purpose to provide for the general regulation of consumer credit and improved standards of consumer information;<\\/p>\\r\\n<ul>\\r\\n<li>to promote black economic empowerment and ownership within the consumer credit industry;<\\/li>\\r\\n<li>to prohibit certain unfair credit and credit-marketing practices;<\\/li>\\r\\n<li>to promote responsible credit granting and use and for that purpose to prohibit reckless credit granting; to provide for debt re-organisation in cases of over-indebtedness; to regulate credit information;<\\/li>\\r\\n<li>to provide for registration of credit bureaux, credit providers and debt counselling services;<\\/li>\\r\\n<li>to establish national norms and standards relating to consumer credit;<\\/li>\\r\\n<li>to promote a consistent enforcement framework relating to consumer credit;<\\/li>\\r\\n<li>to establish the National Credit Regulator and the National Consumer Tribunal;<\\/li>\\r\\n<li>to repeal the Usury Act, 1968, and the Credit Agreements Act, 1980; and to provide for related incidental matters.<\\/li>\\r\\n<\\/ul>\\r\\n<p><a href=\\\"documents\\/pages\\/download_act\\/NATIONAL_CREDIT_ACT.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">click here to download the act<\\/a><\\/p>\\r\\n<h4>National Credit Regulations<\\/h4>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/Acts\\/Final Credit Life Insurance Regulations.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Final Credit Life Insurance Regulation<\\/a><\\/li>\\r\\n<!--<li><a href=\\\"documents\\/pages\\/Acts\\/SKM_C284e15111716420.compressed.pdf\\\" target=\\\"_blank\\\">Draft Credit Life Insurance Regulation, 2015<\\/a><\\/li>-->\\r\\n<li><a href=\\\"documents\\/pages\\/Acts\\/SKM_C284e15110908440.compressed.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Review of Limitations on Fees and Interest Rates Regulations<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/Acts\\/NEW FEE STRUCTURE.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">New Fee Structure<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<h4>\\u00a0<\\/h4>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"19\",\"created\":\"2019-03-26 09:46:26\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-06-28 09:27:49\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-06-28 09:26:29\",\"publish_up\":\"2019-03-26 09:46:26\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":11,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"50\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(260,33,5,'','2019-07-02 14:10:58',915,559,'a97e85287180e088f25ec387dfd5fc4c7067ce70','{\"id\":33,\"asset_id\":197,\"parent_id\":\"1\",\"lft\":\"61\",\"rgt\":62,\"level\":1,\"path\":null,\"extension\":\"com_content\",\"title\":\"Guidelines\",\"alias\":\"guidelines\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":null,\"checked_out_time\":null,\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2019-07-02 14:10:58\",\"modified_user_id\":null,\"modified_time\":\"2019-07-02 14:10:58\",\"hits\":\"0\",\"language\":\"*\",\"version\":null}',0),(261,29,1,'','2019-07-02 14:11:09',915,3502,'5864277c792a026d0136516b6860df9bcc938b7c','{\"id\":29,\"asset_id\":\"133\",\"title\":\"Guidelines\",\"alias\":\"guidelines\",\"introtext\":\"<ul>\\r\\n<li><a href=\\\"documents\\/Guidelines-for-joint-bonds-mortgage-agreements.pdf\\\">Guidelines for joint bonds\\/mortgage agreements<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Pension-backed-lending-guidelines.pdf\\\">Pension backed lending guidelines<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/debt counselling fee structure guideline.pdf\\\">The debt counselling fee guidelines 2018<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/FEE_GUIDELINE.pdf\\\">Fee guideline and schedules pursuant to the guideline in terms of regulation 19(13) of the national credi<\\/a>t<\\/li>\\r\\n<li><a href=\\\"documents\\/Proposed guidelines to ascertain consumers gross and discretionary incomes.pdf\\\">Proposed guidelines for ascertaining consumer\'s gross and discretionary incomes - for public comment<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Circulars\\/debt counselling fee structure guideline.pdf\\\">The debt counselling fee guidelines 2018<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/NCR_Guidelines in Terms of Reg 19(13).pdf\\\">Guideline for the submission of credit information in terms of regulation 19(13) of the national credit act, 34 of 2005, as amended - 003\\/2017<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/1641AD NCR_Guidelines in Terms o Reg 19(13) 08.pdf\\\">Guideline for the submission of credit information in terms of regulation 19(13) of the national credit act, 34 of 2005, as amended - 002\\/2017 <\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/1567AD NCR_Guidelines Regarding Debt Collection 02.pdf\\\">Guideline for credit providers and credit bureaux in respect of debt that is on-sold<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Fee Guideline 12 Jan 2018.pdf\\\">To the guideline in terms of regulation 19(13) of the national credit act, 34 of 2005, as amended<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"33\",\"created\":\"2019-04-02 12:48:20\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-07-02 14:11:09\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-07-02 14:11:02\",\"publish_up\":\"2019-04-02 12:48:20\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":3,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"15\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(262,68,1,'','2019-07-02 14:15:19',915,4755,'81114fed0a0617f58e4c95aa3f4a87d47f2b2db4','{\"id\":68,\"asset_id\":198,\"title\":\"The High Court rules in favour of the NCR that set-off does not apply to credit agreements subject to the National Credit Act\",\"alias\":\"the-high-court-rules-in-favour-of-the-ncr-that-set-off-does-not-apply-to-credit-agreements-subject-to-the-national-credit-act\",\"introtext\":\"<p align=\\\"right\\\"><strong>July 2019<\\/strong><\\/p>\\r\\n<p>The High Court in Johannesburg has ruled in favour of the National Credit Regulator (NCR) against Standard Bank that the common law set-off does not apply to credit agreements subject to the National Credit Act (NCA). This follows an application for a declaratory order brought by the NCR against Standard Bank seeking legal clarity on the effect of section 124 of the NCA on the common law set-off.<\\/p>\\r\\n<p>The NCR had sought an order from the High Court that the common law set-off has been superseded by section 124 of the NCA. The common law set-off is applied when two persons owe each other and the debts are extinguished by setting them off against each other. The banks apply this by transferring funds deposited into consumers\\u2019 accounts to settle debts on credit agreements without the consumers\\u2019 authorisation.<\\/p>\\r\\n<p>The court ruled that the purpose of section 124 is to effect a break from the common law and to oust the continued application of the common law set-off in parallel with section 124. It also ruled that section 124 excludes the operation of the common law set-off in all credit agreements that are regulated by the NCA.<\\/p>\\r\\n<p>\\u201cThe NCR welcomes this judgment as it protects consumers from financial difficulties caused by the arbitrary transfer of funds from their accounts by banks\\u201d, says Nomsa Motshegare, Chief Executive Officer of the NCR.<\\/p>\\r\\n<p>\\u201cBanks should obtain permission from consumers before transferring funds from consumers\\u2019 accounts to pay amounts due under credit agreements\\u201d, Motshegare added.\\u00a0<\\/p>\\r\\n<p align=\\\"center\\\"><strong>Ends<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><br \\/> The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information, contact:<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\">Media Office: <a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><\\/p>\\r\\n<p align=\\\"center\\\">Or<br \\/> Lebogang Selibi<br \\/> (011) 554-2722<br \\/> 064\\u00a0752 3920<br \\/> E-mail: <a href=\\\"mailto:lselibi@ncr.org.za\\\">lselibi@ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-07-02 14:15:19\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-07-02 14:15:19\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-07-02 14:15:19\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(269,61,1,'','2019-07-03 21:20:16',915,7869,'d20a61e039da5a3a9669b7fc7eec675e58b3ddf7','{\"id\":61,\"asset_id\":\"179\",\"title\":\"Credit extension seasonally surges\",\"alias\":\"credit-extension-seasonally-surges\",\"introtext\":\"<p align=\\\"right\\\"><strong>October 2018<\\/strong><\\/p>\\r\\n<p>Today, the National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM), which are based on data submitted to the NCR by registered credit providers and credit bureaus respectively. The latest edition of the reports covers credit market information up to June 2018. The total value of new credit granted increased by 8.25% quarter-on-quarter from R121.62 billion to R131.65 billion. The number of applications for credit increased by 5.79% quarter-on-quarter from 10.49 million in March 2018 to 11.10 million in June 2018.\\u00a0<br \\/> The following were some of the most significant trends observed in terms of credit granted for the quarter ended June 2018:<\\/p>\\r\\n<ul>\\r\\n<li>The value of new mortgages granted increased by R4.78 billion (13.50%) quarter-on-quarter and by R3.34 billion (9.07%) year-on-year.<\\/li>\\r\\n<li>Secured credit which is dominated by vehicle finance, increased by R61.21 million (0.15%) quarter-on-quarter and by R2. 38 billion (6. 07%) year-on-year.<\\/li>\\r\\n<li>Credit facilities increased by R1.90 billion (11.35%) quarter-on-quarter and by R3.30 billion (21.56%) year-on year.<\\/li>\\r\\n<li>Unsecured credit increased by R2.77 billion (11.95%) quarter-on-quarter and by R5.94 billion (29.58%) year-on-year.<\\/li>\\r\\n<\\/ul>\\r\\n<p>The total outstanding consumer credit balances (or gross debtors book) as at June 2018 was R1.80 trillion, representing an increase of 1.14% quarter-on-quarter and 4.76% year-on-year. The trends for outstanding balances for the quarter ended June 2018 were as follows:<\\/p>\\r\\n<ul>\\r\\n<li>Mortgages debtors book increased by R8.44 billion (0.92%) for the quarter ended June 2018 and by R33.11 billion (3.72%) year-on-year.<\\/li>\\r\\n<li>Secured credit debtors book increased by R3. 49 billion (0.85%) for the quarter ended June 2018 and by R23.09 billion (5.87%) year-on-year.<\\/li>\\r\\n<li>Credit facilities debtors book increased by R1.54 billion (0.67%) for the quarter ended June 2018 and by R6.28 billion (2.79%) year-on-year.<\\/li>\\r\\n<li>Unsecured credit debtors book increased by R6.01 billion (3.48%) for the quarter ended June 2018 and by R13.16 billion (7.96%) year-on-year.<\\/li>\\r\\n<\\/ul>\\r\\n<p>Credit bureaus held records for 24.59 million credit-active consumers, which showed a decrease of 3.44% when compared to the 25.46 million in the previous quarter. Consumers classified in good standing decreased by 751,431 to 15.02 million consumers. This amounts to 61.08% of the total number of credit-active consumers, a decrease of 0.85% quarter-on-quarter and an increase of 0.17% year-on-year. The number of credit active accounts decreased from 79.08 million to 76.02 million in the quarter ended June 2018. The number of impaired accounts has decreased in absolute terms from 19.42 million (24.55%) to 19.07 million (25.08%) when compared to March 2018, a decrease of 348,729 quarter-on-quarter and 905,454 year-on-year.<\\/p>\\r\\n<p>The number of enquiries made on consumer credit records was 375.32 million, this was a decrease of 14.64% quarter-on-quarter and of 21.80% year-on-year. Consumer initiated enquiries accounted for 24.52 million of all enquiries, an increase of 0.94% quarter-on-quarter and 33.11% year-on-year. The number of credit reports issued to consumers decreased from 196,920 in the previous quarter to 174,378. A total 98,523 (56.50%) credit reports were issued without charge, and the remaining 75,855 (43.50%) were issued with charge. There were 32,727 disputes lodged on information held on consumer credit records for the quarter ended June 2018, an increase of 6.07% quarter-on-quarter and of 5.26% year-on-year.<\\/p>\\r\\n<p>Consumers battling with their debt repayments should not despair, they are encouraged not to avoid their credit providers but to approach them to assist with payment re-arrangements. In worst cases the assistance of registered debt counsellors must be sought. The debt counselling process was introduced to assist consumers who are over-indebted. Such consumers can no longer meet their debt obligation and living expenses with their income. A registered debt counsellor will assist the consumer with budget advice and assist with the debt restructuring on behalf of the consumer, says Nomsa Motshegare, CEO at the NCR. Consumers must have an income to be accepted to the debt counselling process. Their income will be used in the restructuring process with credit providers, concludes Motshegare.<\\/p>\\r\\n<p><strong><em>Comparisons in this release- \\u2018quarter-on-quarter\\u2019 refers to a comparison between the March 2018 and June 2018 quarters, and \\u2018year-on-year\\u2019 refers to a comparison between the June 2017 and June 2018 quarters<\\/em><\\/strong><strong>.<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\">Issued by: The National Credit Regulator<\\/p>\\r\\n<p align=\\\"center\\\"><strong>ENDS<\\/strong><\\/p>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><\\/p>\\r\\n<p>The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\">Media Office:\\u00a0<span id=\\\"cloak73877\\\"><a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><\\/span>\\u00a0<br \\/> Or<br \\/> Lebogang Selibi<br \\/> (011)\\u00a0 554-2722<br \\/> E-mail:\\u00a0<span id=\\\"cloak27161\\\"><a href=\\\"mailto:lselibi@ncr.org.za\\\">lselibi@ncr.org.za<\\/a><\\/span><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2018-08-03 10:49:01\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-07-03 21:20:16\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-07-03 21:18:34\",\"publish_up\":\"2018-08-03 10:49:01\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"161\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(270,55,1,'','2019-07-03 21:22:11',915,4844,'bcce0609c552e55df8f983af7724731e5114e213','{\"id\":55,\"asset_id\":\"173\",\"title\":\"Tribunal finds that the on the road fee, admin fee and handling fee charged by Volkswagen Financial Services South Africa (Pty) Ltd on credit agreements are unlawful\",\"alias\":\"tribunal-finds-that-the-on-the-road-fee-admin-fee-and-handling-fee-charged-by-volkswagen-financial-services-south-africa-pty-ltd-on-credit-agreements-are-unlawful\",\"introtext\":\"<p>The National Consumer Tribunal (Tribunal) has handed down judgment confirming a Compliance Notice issued by the National Credit Regulator (NCR) to Volkswagen Financial Services South Africa (Pty) Ltd for charging consumers the \\u201con the road\\u201d fee, admin fee and handling fee on credit agreements.<\\/p>\\r\\n<p>In its judgment, the Tribunal found that the \\u201con the road\\u201d fee, admin fee and handling fee charged by Volkswagen Financial Services to consumers on credit agreements are not permitted by the National Credit Act (the Act).<\\/p>\\r\\n<p>The Tribunal ordered Volkswagen Financial Services to \\u2013<\\/p>\\r\\n<ol>\\r\\n<li>cease the practice and\\/or conduct of charging consumers the \\u201con the road\\u201d, admin and handling fees on credit agreements from 10 April 2019 and to submit written confirmation to the NCR to this effect;<\\/li>\\r\\n<li>calculate the total amount of charges, fees or interest levied on the \\u201con the road\\u201d, admin and handling fees; and<\\/li>\\r\\n<li>refund all those consumers charges, fees or interest levied and submit a report by independent auditors to the NCR.<\\/li>\\r\\n<\\/ol>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p>\\u201cThe NCR welcomes this judgment as it affirms the protection given to consumers by the National Credit Act against illegal charges and fees on credit agreements\\u201d, says Nomsa Motshegare, Chief Executive Officer of the NCR.<\\/p>\\r\\n<p>The NCR will continue to conduct industry-wide investigations on fees and charges on credit agreements to root out illegal charges and fees on credit agreements.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>Ends<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><br \\/> The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\">Media Office:\\u00a0<span id=\\\"cloak88766\\\"><a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><\\/span><\\/p>\\r\\n<p align=\\\"center\\\">Or<br \\/> Lebogang Selibi<br \\/> (011)\\u00a0 554-2722<br \\/> 064\\u00a0752 3920<br \\/> E-mail:\\u00a0<span id=\\\"cloak16219\\\"><a href=\\\"mailto:lselibi@ncr.org.za\\\">lselibi@ncr.org.za<\\/a><\\/span><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-07-01 10:33:54\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-07-03 21:22:11\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-07-03 21:21:43\",\"publish_up\":\"2019-07-01 10:33:54\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":3,\"ordering\":\"7\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"76\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(273,26,1,'','2019-07-09 08:10:10',915,11578,'1c59c577f85683653ed1f99164916e8eae01996d','{\"id\":26,\"asset_id\":\"129\",\"title\":\"Useful contacts\",\"alias\":\"useful-contacts\",\"introtext\":\"<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>WHO TO CONTACT WHEN YOU NEED ASSISTANCE OR ADVISE FOR PROBLEMS RELATED TO:<\\/strong><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>CREDIT RELATED MATTERS AND DEBT COUNSELLING\\u00a0<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The National Credit Regulator<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 107px;\\\" width=\\\"994\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 554 2600 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 011 805 4905<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@ncr.org.za\\\">info@ncr.org.za<\\/a><span style=\\\"line-height: 1.3em;\\\">\\u00a0<\\/span>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td><span style=\\\"line-height: 1.3em;\\\">: PO Box 209, Halfway House, 1685<\\/span>\\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">To\\u00a0request a workshop please forward an email with details to\\u00a0<a href=\\\"mailto:workshops@ncr.org.za\\\">workshops@ncr.org.za<\\/a>\\u00a0<\\/p>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>CONSUMER PRODUCTS AND SERVICES<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The National Consumer Commission<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 107px;\\\" width=\\\"494\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 086 026 6786<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 086 151 5229<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:NNetshitomboni@thencc.co.za\\\">NNetshitomboni@thencc.co.za<\\/a><span style=\\\"line-height: 1.3em;\\\">\\u00a0<\\/span><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: Private Bag x84, Pretoria\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:<strong style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/strong><a href=\\\"http:\\/\\/www.nccsa.org.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.nccsa.org.za<\\/a>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>BANKING -\\u00a0The Ombudsman for Banking Services<\\/strong><\\/h4>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 128px;\\\" width=\\\"589\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Sharecall<\\/td>\\r\\n<td>: 086 080 0900\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 838 0035\\/38\\/39\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 011 838 0043\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@obssa.co.za\\\">info@obssa.co.za<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: PO Box 6728, JOHANNESBURG, 2000\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.obssa.co.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.obssa.co.za<\\/a>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>CREDIT BUREAU AND NON-BANK FINANCIAL SERVICES<\\/strong>\\u00a0<\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Credit Information Ombud\\u00a0<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 107px;\\\" width=\\\"733\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Call centre<\\/td>\\r\\n<td>: 086 166 2837\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 781 6431<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:ombud@creditombud.org.za\\\">ombud@creditombud.org.za<\\/a>\\u00a0 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: Postnet Suite 444, Private Bag 1, JUKSKEI PARK, 2153\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.creditombud.org.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.creditombud.org.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>FINANCIAL ADVICE<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Office of the Ombud for Financial Services Providers\\u00a0<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 128px;\\\" width=\\\"559\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Sharecall<\\/td>\\r\\n<td>: 086 032 4766<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 012 470 9080 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 012 348 3447<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@faisombud.co.za\\\">info@faisombud.co.za<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: PO Box 74571, Lynwoodridge, 0040<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.faisombud.co.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.faisombud.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>INVESTMENTS<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Financial Services Board\\u00a0<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 128px;\\\" width=\\\"526\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Toll-free<\\/td>\\r\\n<td>080 011 0443 \\/ 080 020 2087<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>012 428 8000<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>012 347 0211<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>info@fsb.co.za<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>PO Box 35655, Menlo Park, 0102<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td><strong style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/strong><a href=\\\"http:\\/\\/www.fsb.co.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.fsb.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>LIFE ASSURANCE\\u00a0<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>Ombudsman for Long-term Insurance.<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 128px;\\\" width=\\\"544\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Sharecall<\\/td>\\r\\n<td>086 066 2837<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>021 657 5000 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>021 674 0951 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td><a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@ombud.co.za\\\">info@ombud.co.za<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>Private Bag X45, Claremont, 7735<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>MEDICAL SCHEME<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Council for Medical Schemes\\u00a0<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 128px;\\\" width=\\\"539\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Sharecall<\\/td>\\r\\n<td>: 086 112 3267<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 012 431 0500 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 012 431 0560 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:support@medicalschemes.com\\\">support@medicalschemes.com<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: Private Bag X34, Hatfield, 0028<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>PENSION FUND<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Pension Funds Adjudicator\\u00a0<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 107px;\\\" width=\\\"542\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 884 8454<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 011 884 1144\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>: enquiries-jhb@<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: PO Box 651826, Benmore, 2010<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.pfa.org.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.pfa.org.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>SHORT-TERM INSURANCE<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Ombudsman for Short-term Insurance\\u00a0<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 107px;\\\" width=\\\"555\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Sharecall<\\/td>\\r\\n<td>: 086 072 6890<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 726 8900\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 011 726 5501<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@osti.co.za\\\">info@osti.co.za<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: PO Box 32334, Braamfontein, 2017\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.osti.co.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.osti.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"18\",\"created\":\"2019-04-02 11:57:29\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-07-09 08:10:10\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-07-09 08:09:56\",\"publish_up\":\"2019-04-02 11:57:29\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":8,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"52\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(282,69,1,'','2019-08-01 08:37:31',915,4509,'a84ecd69a9381a98ca7e2757c7e03fff1a2eeb2e','{\"id\":69,\"asset_id\":199,\"title\":\"The Tribunal rules that child support and foster care grants cannot be used as consumer\\u2019s income to apply for credit.\",\"alias\":\"the-tribunal-rules-that-child-support-and-foster-care-grants-cannot-be-used-as-consumer-s-income-to-apply-for-credit\",\"introtext\":\"<p align=\\\"right\\\"><strong>July 2019<\\/strong><\\/p>\\r\\n<p>The National Consumer Tribunal (Tribunal) yesterday handed down judgment in favour of the National Credit Regulator (NCR) against a Aristoscan CC, a micro lender trading as JMK Cash Loans, in which it found JMK Cash Loans guilty of various contraventions of the National Credit Act (the Act), including reckless lending.<\\/p>\\r\\n<p>The evidence presented by the NCR showed that JMK Cash Loans extended credit to consumers who received child support and foster care social grants.<\\/p>\\r\\n<p>In its judgment, the Tribunal made a finding that child support and foster care social grants are income to be used for the benefit of third parties and cannot be deemed to be the consumer\\u2019s income.<\\/p>\\r\\n<p>\\u201cThis judgement clarifies that child support and foster care social grants are not to be used as consumer income in credit applications. They are intended to be used for the care and support of the children\\u201d, says Nomsa Motshegare, Chief Executive Officer of the NCR.<\\/p>\\r\\n<p>\\u201cCredit providers are warned to observe this judgement and ensure that they do not allow consumers to use child support and foster care social grants as income in credit applications\\u201d, concludes Motshegare.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>Ends<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p align=\\\"center\\\"><strong>Issued by:<\\/strong><\\/p>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><br \\/> The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information, contact:<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\">Media Office:\\u00a0<span id=\\\"cloak16541\\\"><a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><\\/span><\\/p>\\r\\n<p align=\\\"center\\\">Or<br \\/> Lebogang Selibi<br \\/> (011) 554-2722<br \\/> 064\\u00a0752 3920<br \\/> E-mail:\\u00a0<span id=\\\"cloak28233\\\"><a href=\\\"mailto:lselibi@ncr.org.za\\\">lselibi@ncr.org.za<\\/a><\\/span><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-08-01 08:37:31\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-08-01 08:37:31\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-08-01 08:37:31\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(283,69,1,'','2019-08-01 08:38:44',915,4528,'1a9ae07ee687a567628c8df51b2736d72cb81655','{\"id\":69,\"asset_id\":\"199\",\"title\":\"The Tribunal rules that child support and foster care grants cannot be used as consumer\\u2019s income to apply for credit.\",\"alias\":\"the-tribunal-rules-that-child-support-and-foster-care-grants-cannot-be-used-as-consumer-s-income-to-apply-for-credit\",\"introtext\":\"<p align=\\\"right\\\"><strong>July 2019<\\/strong><\\/p>\\r\\n<p>The National Consumer Tribunal (Tribunal) yesterday handed down judgment in favour of the National Credit Regulator (NCR) against a Aristoscan CC, a micro lender trading as JMK Cash Loans, in which it found JMK Cash Loans guilty of various contraventions of the National Credit Act (the Act), including reckless lending.<\\/p>\\r\\n<p>The evidence presented by the NCR showed that JMK Cash Loans extended credit to consumers who received child support and foster care social grants.<\\/p>\\r\\n<p>In its judgment, the Tribunal made a finding that child support and foster care social grants are income to be used for the benefit of third parties and cannot be deemed to be the consumer\\u2019s income.<\\/p>\\r\\n<p>\\u201cThis judgement clarifies that child support and foster care social grants are not to be used as consumer income in credit applications. They are intended to be used for the care and support of the children\\u201d, says Nomsa Motshegare, Chief Executive Officer of the NCR.<\\/p>\\r\\n<p>\\u201cCredit providers are warned to observe this judgement and ensure that they do not allow consumers to use child support and foster care social grants as income in credit applications\\u201d, concludes Motshegare.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>Ends<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p align=\\\"center\\\"><strong>Issued by:<\\/strong><\\/p>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><br \\/> The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information, contact:<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\">Media Office:\\u00a0<span id=\\\"cloak16541\\\"><a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><\\/span><\\/p>\\r\\n<p align=\\\"center\\\">Or<br \\/> Lebogang Selibi<br \\/> (011) 554-2722<br \\/> 064\\u00a0752 3920<br \\/> E-mail:\\u00a0<span id=\\\"cloak28233\\\"><a href=\\\"mailto:lselibi@ncr.org.za\\\">lselibi@ncr.org.za<\\/a><\\/span><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-07-18 08:37:31\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-08-01 08:38:44\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-08-01 08:37:31\",\"publish_up\":\"2019-07-18 08:37:31\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(286,50,1,'','2019-08-01 16:00:00',915,2441,'ba6b28fe2db90b694278894dfbee79964a03805e','{\"id\":50,\"asset_id\":\"164\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul class=\\\"arrow-list\\\">\\r\\n<li><a href=\\\"documents\\/DC\\/form 4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application form for registration as a debt counsellor<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/DC\\/Annexure Confirmation of payment of fees - DC.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure Confirmation of payment of fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/DC\\/REGISTRATION AS A DEBT COUNSELLOR.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">registration as a debt counsellor<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/DC\\/A.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Service Provider List<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"26\",\"created\":\"2019-04-17 12:44:45\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-08-01 16:00:00\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-08-01 15:59:08\",\"publish_up\":\"2019-04-17 12:44:45\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":5,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"19\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(287,49,1,'','2019-08-01 16:06:23',915,2759,'c55d7e9480dc440f924825ae8d39c76f6c7c0008','{\"id\":49,\"asset_id\":\"163\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul class=\\\"arrow-list\\\">\\r\\n<li><a href=\\\"documents\\/CP\\/Form 2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application form for registration as a credit provider<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/CP\\/Annexure Confirmation of payment of fees - CP 2017.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure Confirmation of payment of fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/CP\\/Preliminary Developmental credit guidelines (2) (3).doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Preliminary Developmental credit guidelines<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/CP\\/REGISTRATION AS A CREDIT PROVIDER.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">registration as a credit provider.docx<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/CP\\/Resolution.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/CP\\/A.XLS\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Service Provider List<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"27\",\"created\":\"2019-04-17 12:38:21\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-08-01 16:06:23\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-08-01 16:04:18\",\"publish_up\":\"2019-04-17 12:38:21\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":5,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"34\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(288,53,1,'','2019-08-01 16:09:27',915,2753,'abe31c97de29c0d209cb54cd4c071ca04058ba0a','{\"id\":53,\"asset_id\":\"167\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul class=\\\"arrow-list\\\">\\r\\n<li><a href=\\\"documents\\/PDA\\/Form 46.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application form for registration as a payment distribution agent<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/PDA\\/Annexure Confirmation of payment of fees - PDA.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure Confirmation of payment of fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/PDA\\/Audit review requirements for PDAs.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Audit review requirements for PDAs<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/PDA\\/REGISTRATION AS A PDA.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Registration as a Payment Distribution Agent<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/PDA\\/Resolution- PDA.DOC\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution - PDA<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/PDA\\/A.XLS\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Service Provider List<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"25\",\"created\":\"2019-04-17 13:28:48\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-08-01 16:09:27\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-08-01 16:08:36\",\"publish_up\":\"2019-04-17 13:28:48\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":4,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"14\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(289,54,1,'','2019-08-01 16:13:06',915,2750,'f8bd9ca8a027b8d9f7092686ab4886c406b367ff','{\"id\":54,\"asset_id\":\"168\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul class=\\\"arrow-list\\\">\\r\\n<li><a href=\\\"documents\\/CB\\/form 5.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application form for registration as a credit bureau<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/CB\\/Annexure Confirmation of payment of fees - CB.DOCX\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure Confirmation of payment of fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/CB\\/Audit review for CB October 2017 updated doc.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Audit review for CB <\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/CB\\/REGISTRATION AS A CREDIT BUREAU.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Registration as a credit bureau.docx<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/CB\\/Resolution- Credit Bureau.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution - Credit Bureau<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/CB\\/A.XLS\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Service Provider List<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"28\",\"created\":\"2019-04-17 13:35:37\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-08-01 16:13:06\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-08-01 16:11:26\",\"publish_up\":\"2019-04-17 13:35:37\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":4,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"13\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(290,52,1,'','2019-08-01 16:18:40',915,2899,'91503ef63491e65fbb2fd2efac484930ddad6e36','{\"id\":52,\"asset_id\":\"166\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul class=\\\"arrow-list\\\">\\r\\n<li><a href=\\\"documents\\/RCB\\/Annexure Confirmation of payment of fees - CB.DOCX\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure Confirmation of payment of fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/RCB\\/Directors Resolution - Resellers - Annexure A.DOC\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Directors Resolution - Resellers - Annexure A<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/RCB\\/REGISTRATION AS A RESELLER CREDIT BUREAU.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Registration as a reseller credit bureau<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/RCB\\/Reseller Undertaking - Annexure B.DOCX\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Reseller Undertaking - Annexure B<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/RCB\\/Terms of Reference for performing an IS Due Diligence Review of Reseller....doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Terms of Reference for performing an IS Due Diligence Review of Reseller<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/RCB\\/A.XLS\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Service Provider List<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"29\",\"created\":\"2019-04-17 13:17:27\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-08-01 16:18:40\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-08-01 16:13:16\",\"publish_up\":\"2019-04-17 13:17:27\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"10\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(291,52,1,'','2019-08-01 16:19:25',915,2907,'4ad4a306ecf786a676fb669ef39d2214bd4f739c','{\"id\":52,\"asset_id\":\"166\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul class=\\\"arrow-list\\\">\\r\\n<li><a href=\\\"..\\/documents\\/RCB\\/Annexure Confirmation of payment of fees - CB.DOCX\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure Confirmation of payment of fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/RCB\\/Directors Resolution - Resellers - Annexure A.DOC\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Directors Resolution - Resellers - Annexure A<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/RCB\\/REGISTRATION AS A RESELLER CREDIT BUREAU.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Registration as a reseller credit bureau<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/RCB\\/Reseller Undertaking - Annexure B.DOCX\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Reseller Undertaking - Annexure B<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/RCB\\/Terms of Reference for performing an IS Due Diligence Review of Reseller....doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Terms of Reference for performing an IS Due Diligence Review of Reseller<\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/RCB\\/A.XLS\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Service Provider List<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"29\",\"created\":\"2019-04-17 13:17:27\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-08-01 16:19:25\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-08-01 16:18:40\",\"publish_up\":\"2019-04-17 13:17:27\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":3,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"11\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(295,14,1,'','2019-08-06 08:13:05',915,2844,'e408f2db05023af32af4d64305cf45ce6f2be970','{\"id\":14,\"asset_id\":\"104\",\"title\":\"About us\",\"alias\":\"about-us\",\"introtext\":\"<p>The National Credit Regulator (NCR) was established as the regulator under the National Credit Act No. 34 of 2005 (The Act) and is responsible for the regulation of the South African credit industry. It is tasked with carrying out education, research, policy development, registration of industry participants, investigation of complaints, and ensuring the enforcement of the Act.<\\/p>\\r\\n<p>The Act requires the Regulator to promote the development of an accessible credit market, particularly to address the needs of historically disadvantaged persons, low income persons, and remote, isolated or low density communities.<\\/p>\\r\\n<p>The NCR is also tasked with the registration of credit providers, credit bureaux and debt counsellors, Alternative Dispute Resolution, Payment Distribution Agency and with the enforcement of compliance with the Act.<\\/p>\\r\\n<p>For further information refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/1. The NCR (section 12-23).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Act<\\/a><\\/p>\\r\\n<p>\\u00a0<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-03-18 12:48:06\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-08-06 08:13:05\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-08-06 08:10:07\",\"publish_up\":\"2019-03-18 12:48:06\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"0\\\",\\\"show_print_icon\\\":\\\"0\\\",\\\"show_email_icon\\\":\\\"0\\\",\\\"show_vote\\\":\\\"0\\\",\\\"show_hits\\\":\\\"0\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":7,\"ordering\":\"5\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"171\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(299,64,1,'','2019-08-06 09:11:33',915,3067,'c9f484781aa2a11a243f7fca5c6a989fcdd29df5','{\"id\":64,\"asset_id\":\"189\",\"title\":\"Statistics and Research \",\"alias\":\"statistics-and-research\",\"introtext\":\"<p>Statistics and Research Department is responsible for the collation, production and publication of statistical data. The data is collected in a prescribed format from registrant such as Credit Providers, Credit Bureaus, Debt Counsellors and Credit Life Insurers. Our flagship reports, emanating from the data, are the Consumer Credit Market Report (CCMR) and Credit Bureau Monitor (CBM). These reports are produced on a quarterly basis. The reports are used and quoted extensively by a variety of stakeholders, including media, government, credit providers, industry analysts, investors, researchers and other decision makers.<\\/p>\\r\\n<p>The Department is also responsible for conducting research in line with Sections 13 and 16 of the National Credit Act (NCA). The research requirements also take into account the prevailing trends and market conditions. The department may undertake research in line with requirements of the NCR executive committee or relevant minister.<\\/p>\\r\\n<p><a href=\\\"index.php\\/publications\\/credit-bureau-monitor-cbm\\\">Pease click here to view the Credit Bureau Monitor (CBM)<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php\\/publications\\/consumer-credit-market-report-ccmr\\\">Pease click here to view the Consumer Credit Market Report (CCMR)<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"32\",\"created\":\"2019-06-10 14:32:35\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-08-06 09:11:33\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-08-06 09:08:04\",\"publish_up\":\"2019-06-10 14:32:35\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":4,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"29\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(301,26,1,'','2019-08-06 10:17:05',915,11578,'7d8b62e5f4b7f05f004a173862f1a2b5c44d2e23','{\"id\":26,\"asset_id\":\"129\",\"title\":\"Useful contacts\",\"alias\":\"useful-contacts\",\"introtext\":\"<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>WHO TO CONTACT WHEN YOU NEED ASSISTANCE OR ADVISE FOR PROBLEMS RELATED TO:<\\/strong><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>CREDIT RELATED MATTERS AND DEBT COUNSELLING\\u00a0<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The National Credit Regulator<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 107px;\\\" width=\\\"994\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Reception<\\/td>\\r\\n<td>: 011 554 2600 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 011 805 4905<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@ncr.org.za\\\">info@ncr.org.za<\\/a><span style=\\\"line-height: 1.3em;\\\">\\u00a0<\\/span>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td><span style=\\\"line-height: 1.3em;\\\">: PO Box 209, Halfway House, 1685<\\/span>\\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">To\\u00a0request a workshop please forward an email with details to\\u00a0<a href=\\\"mailto:workshops@ncr.org.za\\\">workshops@ncr.org.za<\\/a>\\u00a0<\\/p>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>CONSUMER PRODUCTS AND SERVICES<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The National Consumer Commission<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 107px;\\\" width=\\\"494\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 086 026 6786<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 086 151 5229<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:NNetshitomboni@thencc.co.za\\\">NNetshitomboni@thencc.co.za<\\/a><span style=\\\"line-height: 1.3em;\\\">\\u00a0<\\/span><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: Private Bag x84, Pretoria\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:<strong style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/strong><a href=\\\"http:\\/\\/www.nccsa.org.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.nccsa.org.za<\\/a>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>BANKING -\\u00a0The Ombudsman for Banking Services<\\/strong><\\/h4>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 128px;\\\" width=\\\"589\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Sharecall<\\/td>\\r\\n<td>: 086 080 0900\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 838 0035\\/38\\/39\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 011 838 0043\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@obssa.co.za\\\">info@obssa.co.za<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: PO Box 6728, JOHANNESBURG, 2000\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.obssa.co.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.obssa.co.za<\\/a>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>CREDIT BUREAU AND NON-BANK FINANCIAL SERVICES<\\/strong>\\u00a0<\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Credit Information Ombud\\u00a0<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 107px;\\\" width=\\\"733\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Call centre<\\/td>\\r\\n<td>: 086 166 2837\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 781 6431<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:ombud@creditombud.org.za\\\">ombud@creditombud.org.za<\\/a>\\u00a0 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: Postnet Suite 444, Private Bag 1, JUKSKEI PARK, 2153\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.creditombud.org.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.creditombud.org.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>FINANCIAL ADVICE<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Office of the Ombud for Financial Services Providers\\u00a0<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 128px;\\\" width=\\\"559\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Sharecall<\\/td>\\r\\n<td>: 086 032 4766<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 012 470 9080 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 012 348 3447<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@faisombud.co.za\\\">info@faisombud.co.za<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: PO Box 74571, Lynwoodridge, 0040<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.faisombud.co.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.faisombud.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>INVESTMENTS<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Financial Services Board\\u00a0<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 128px;\\\" width=\\\"526\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Toll-free<\\/td>\\r\\n<td>080 011 0443 \\/ 080 020 2087<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>012 428 8000<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>012 347 0211<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>info@fsb.co.za<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>PO Box 35655, Menlo Park, 0102<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td><strong style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/strong><a href=\\\"http:\\/\\/www.fsb.co.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.fsb.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>LIFE ASSURANCE\\u00a0<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>Ombudsman for Long-term Insurance.<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 128px;\\\" width=\\\"544\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Sharecall<\\/td>\\r\\n<td>086 066 2837<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>021 657 5000 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>021 674 0951 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td><a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@ombud.co.za\\\">info@ombud.co.za<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>Private Bag X45, Claremont, 7735<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>MEDICAL SCHEME<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Council for Medical Schemes\\u00a0<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 128px;\\\" width=\\\"539\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Sharecall<\\/td>\\r\\n<td>: 086 112 3267<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 012 431 0500 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 012 431 0560 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:support@medicalschemes.com\\\">support@medicalschemes.com<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: Private Bag X34, Hatfield, 0028<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>PENSION FUND<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Pension Funds Adjudicator\\u00a0<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 107px;\\\" width=\\\"542\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 884 8454<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 011 884 1144\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>: enquiries-jhb@<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: PO Box 651826, Benmore, 2010<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.pfa.org.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.pfa.org.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>SHORT-TERM INSURANCE<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Ombudsman for Short-term Insurance\\u00a0<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 107px;\\\" width=\\\"555\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Sharecall<\\/td>\\r\\n<td>: 086 072 6890<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 726 8900\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 011 726 5501<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@osti.co.za\\\">info@osti.co.za<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: PO Box 32334, Braamfontein, 2017\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.osti.co.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.osti.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"18\",\"created\":\"2019-04-02 11:57:29\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-08-06 10:17:05\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-08-06 10:16:21\",\"publish_up\":\"2019-04-02 11:57:29\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":9,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"56\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(302,1,1,'','2019-08-06 13:29:47',915,2666,'de2e1c9a78d5e77c491ca81949a0b2ab061e0bbd','{\"id\":1,\"asset_id\":\"57\",\"title\":\"WELCOME TO THE NATIONAL CREDIT REGULATOR\",\"alias\":\"welcome-to-the-national-credit-regulator\",\"introtext\":\"<p>The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. It is tasked with carrying out education, research, policy development, registration of industry participants, investigation of complaints, and ensuring enforcement of the Act.<\\/p>\\r\\n<p>The Act requires the Regulator to promote the development of an accessible credit market, particularly to address the needs of historically disadvantaged persons, low income persons, and remote, isolated or low density communities.<\\/p>\\r\\n<p>The NCR is also tasked with the registration of credit providers, credit bureaux and debt counsellors, Alternative Dispute Resolution, Payment Distribution Agency and enforcement of compliance with the Act<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-03-06 15:18:44\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-08-06 13:29:47\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-08-06 13:29:09\",\"publish_up\":\"2019-03-06 15:18:44\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"7\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"17\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"1\",\"language\":\"*\",\"xreference\":\"\"}',0),(306,64,1,'','2019-08-06 15:01:05',915,3229,'969e7a25edf4f8a04ffc127fa54c77dab714e4a3','{\"id\":64,\"asset_id\":\"189\",\"title\":\"Statistics and Research \",\"alias\":\"statistics-and-research\",\"introtext\":\"<p>Statistics and Research Department is responsible for the collation, production and publication of statistical data. The data is collected in a prescribed format from registrant such as Credit Providers, Credit Bureaus, Debt Counsellors and Credit Life Insurers. Our flagship reports, emanating from the data, are the Consumer Credit Market Report (CCMR) and Credit Bureau Monitor (CBM). These reports are produced on a quarterly basis. The reports are used and quoted extensively by a variety of stakeholders, including media, government, credit providers, industry analysts, investors, researchers and other decision makers.<\\/p>\\r\\n<p>The Department is also responsible for conducting research in line with Sections 13 and 16 of the National Credit Act (NCA). The research requirements also take into account the prevailing trends and market conditions. The department may undertake research in line with requirements of the NCR executive committee or relevant minister.<\\/p>\\r\\n<p><a href=\\\"index.php\\/publications\\/credit-bureau-monitor-cbm\\\">Please click here to view the Credit Bureau Monitor (CBM)<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php\\/publications\\/consumer-credit-market-report-ccmr\\\">Please click here to view the Consumer Credit Market Report (CCMR)<\\/a><\\/p>\\r\\n<p><a href=\\\"..\\/documents\\/pages\\/compliance&amp;reports_cp\\/Copy%20of Form 39 .xls\\\">Please click here to view the Statistical Returns (Form 39)<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"32\",\"created\":\"2019-06-10 14:32:35\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-08-06 15:01:05\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-08-06 14:59:11\",\"publish_up\":\"2019-06-10 14:32:35\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":5,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"33\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(307,14,1,'','2019-08-07 07:41:46',915,2844,'86563ff449b1d47aee9644a4d69f487691340e13','{\"id\":14,\"asset_id\":\"104\",\"title\":\"About us\",\"alias\":\"about-us\",\"introtext\":\"<p>The National Credit Regulator (NCR) was established as the regulator under the National Credit Act No. 34 of 2005 (The Act) and is responsible for the regulation of the South African credit industry. It is tasked with carrying out education, research, policy development, registration of industry participants, investigation of complaints, and ensuring the enforcement of the Act.<\\/p>\\r\\n<p>The Act requires the Regulator to promote the development of an accessible credit market, particularly to address the needs of historically disadvantaged persons, low income persons, and remote, isolated or low density communities.<\\/p>\\r\\n<p>The NCR is also tasked with the registration of credit providers, credit bureaux, debt counsellors, Alternative Dispute Resolution and Payment Distribution Agency and with the enforcement of compliance with the Act.<\\/p>\\r\\n<p>For further information refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/1. The NCR (section 12-23).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Act<\\/a><\\/p>\\r\\n<p>\\u00a0<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-03-18 12:48:06\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-08-07 07:41:46\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-08-07 07:40:37\",\"publish_up\":\"2019-03-18 12:48:06\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"0\\\",\\\"show_print_icon\\\":\\\"0\\\",\\\"show_email_icon\\\":\\\"0\\\",\\\"show_vote\\\":\\\"0\\\",\\\"show_hits\\\":\\\"0\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":8,\"ordering\":\"5\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"178\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(308,14,1,'','2019-08-07 07:42:24',915,2841,'9b6b2a0b42f4b5f2f7aabc3cba87018f282d0663','{\"id\":14,\"asset_id\":\"104\",\"title\":\"About us\",\"alias\":\"about-us\",\"introtext\":\"<p>The National Credit Regulator (NCR) was established as the regulator under the National Credit Act No. 34 of 2005 (The Act) and is responsible for the regulation of the South African credit industry. It is tasked with carrying out education, research, policy development, registration of industry participants, investigation of complaints, and ensuring the enforcement of the Act.<\\/p>\\r\\n<p>The Act requires the Regulator to promote the development of an accessible credit market, particularly to address the needs of historically disadvantaged persons, low income persons, and remote, isolated or low density communities.<\\/p>\\r\\n<p>The NCR is also tasked with the registration of credit providers, credit bureaux, debt counsellors, Alternative Dispute Resolution, Payment Distribution Agency and with the enforcement of compliance with the Act.<\\/p>\\r\\n<p>For further information refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/1. The NCR (section 12-23).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Act<\\/a><\\/p>\\r\\n<p>\\u00a0<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-03-18 12:48:06\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-08-07 07:42:24\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-08-07 07:42:02\",\"publish_up\":\"2019-03-18 12:48:06\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"0\\\",\\\"show_print_icon\\\":\\\"0\\\",\\\"show_email_icon\\\":\\\"0\\\",\\\"show_vote\\\":\\\"0\\\",\\\"show_hits\\\":\\\"0\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":9,\"ordering\":\"5\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"178\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(309,1,1,'','2019-08-07 07:42:56',915,2663,'ec0181d0f1b5f64bc08511dc57ae2cc4366d8e79','{\"id\":1,\"asset_id\":\"57\",\"title\":\"WELCOME TO THE NATIONAL CREDIT REGULATOR\",\"alias\":\"welcome-to-the-national-credit-regulator\",\"introtext\":\"<p>The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. It is tasked with carrying out education, research, policy development, registration of industry participants, investigation of complaints, and ensuring enforcement of the Act.<\\/p>\\r\\n<p>The Act requires the Regulator to promote the development of an accessible credit market, particularly to address the needs of historically disadvantaged persons, low income persons, and remote, isolated or low density communities.<\\/p>\\r\\n<p>The NCR is also tasked with the registration of credit providers, credit bureaux, debt counsellors, Alternative Dispute Resolution, Payment Distribution Agency and enforcement of compliance with the Act<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-03-06 15:18:44\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-08-07 07:42:56\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-08-07 07:42:31\",\"publish_up\":\"2019-03-06 15:18:44\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":4,\"ordering\":\"7\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"17\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"1\",\"language\":\"*\",\"xreference\":\"\"}',0),(312,21,1,'','2020-02-24 08:58:34',915,3872,'b4bba80992cb5177f0c22267362920681ed42b5e','{\"id\":21,\"asset_id\":\"117\",\"title\":\"Download the National Credit Act\",\"alias\":\"download-the-act\",\"introtext\":\"<p>National Credit ACT To promote a fair and non-discriminatory marketplace for access to consumer credit and for that purpose to provide for the general regulation of consumer credit and improved standards of consumer information;<\\/p>\\r\\n<ul>\\r\\n<li>to promote black economic empowerment and ownership within the consumer credit industry;<\\/li>\\r\\n<li>to prohibit certain unfair credit and credit-marketing practices;<\\/li>\\r\\n<li>to promote responsible credit granting and use and for that purpose to prohibit reckless credit granting; to provide for debt re-organisation in cases of over-indebtedness; to regulate credit information;<\\/li>\\r\\n<li>to provide for registration of credit bureaux, credit providers and debt counselling services;<\\/li>\\r\\n<li>to establish national norms and standards relating to consumer credit;<\\/li>\\r\\n<li>to promote a consistent enforcement framework relating to consumer credit;<\\/li>\\r\\n<li>to establish the National Credit Regulator and the National Consumer Tribunal;<\\/li>\\r\\n<li>to repeal the Usury Act, 1968, and the Credit Agreements Act, 1980; and to provide for related incidental matters.<\\/li>\\r\\n<\\/ul>\\r\\n<p><a href=\\\"documents\\/pages\\/download_act\\/NATIONAL_CREDIT_ACT.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">click here to download the act<\\/a><\\/p>\\r\\n<h4>National Credit Regulations<\\/h4>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/Acts\\/Final Credit Life Insurance Regulations.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Final Credit Life Insurance Regulation<\\/a><\\/li>\\r\\n<!--<li><a href=\\\"documents\\/pages\\/Acts\\/SKM_C284e15111716420.compressed.pdf\\\" target=\\\"_blank\\\">Draft Credit Life Insurance Regulation, 2015<\\/a><\\/li>-->\\r\\n<li><a href=\\\"documents\\/pages\\/Acts\\/SKM_C284e15110908440.compressed.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Review of Limitations on Fees and Interest Rates Regulations<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/Acts\\/NEW FEE STRUCTURE.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">New Fee Structure<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<h4>\\u00a0<\\/h4>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"19\",\"created\":\"2019-03-26 09:46:26\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-02-24 08:58:34\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-02-24 08:58:29\",\"publish_up\":\"2019-03-26 09:46:26\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":12,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"114\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(313,72,1,'','2020-02-24 09:25:48',915,4142,'cd6ab74446f8cf669d11aa1228fac8cd23d98ce6','{\"id\":72,\"asset_id\":206,\"title\":\"Disclaimer\",\"alias\":\"disclaimer\",\"introtext\":\"<p><strong>Purpose<\\/strong><\\/p>\\r\\n<p>The purpose of this policy is to show our respect for your privacy It is indicative of our commitment to protect and safeguard customer information and communications from unauthorised intrusions.\\u00a0<\\/p>\\r\\n<p><strong>Privacy policy for all visitors<\\/strong><\\/p>\\r\\n<p>When visiting our website, our system automatically collects and stores the following information:<\\/p>\\r\\n<ul>\\r\\n<li>The internet protocol (IP) address<\\/li>\\r\\n<li>The pages visited<\\/li>\\r\\n<li>The operating system used<\\/li>\\r\\n<li>The date, time and length of visit<\\/li>\\r\\n<li>The type of browser used, such as Netscape or Internet Explorer<\\/li>\\r\\n<\\/ul>\\r\\n<p>This information does not identify visitors personally, and is used to create a website that is more suited to your browsing needs.<\\/p>\\r\\n<p>\\u00a0<strong>How this information is used<\\/strong><\\/p>\\r\\n<p>This information is used to enable The NCR to:<\\/p>\\r\\n<ul>\\r\\n<li>Provide for our subscribers\' preferences<\\/li>\\r\\n<li>Improve current services provided by us.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Security used to protect Information<\\/strong><\\/p>\\r\\n<p>All information is stored in secure databases, and can only be accessed by entering the correct user name and password. Technology and security features have been implemented to safeguard the privacy of all subscribers from unauthorised access or improper use.<\\/p>\\r\\n<p><strong>Access to the Information<\\/strong><\\/p>\\r\\n<p>Personally identifiable information will not be accessed, modified, shared, sold or otherwise disclosed except:<\\/p>\\r\\n<ul>\\r\\n<li>When given permission by the subscriber to do so<\\/li>\\r\\n<li>To enforce agreements with customers and visitors<\\/li>\\r\\n<li>To protect the rights, property or safety of The NCR, its users or others<\\/li>\\r\\n<li>When required to do so by law<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Changes to the Privacy Policy<\\/strong><\\/p>\\r\\n<p>The NCR reserves the right to amend its privacy policy when the need to do so arises. Subscribers will be notified if any substantial changes are made.<\\/p>\\r\\n<p><strong>\\u00a0Consumer Concerns<\\/strong><\\/p>\\r\\n<p>Any queries relating to this privacy policy can be e-mailed to the The NCR Customer Services Department at \\u00a0info@ncr.org.za<\\/p>\\r\\n<p><span id=\\\"key_word\\\"><a href=\\\"http:\\/\\/www.fmr.cat\\/caacshop\\/sante-running\\\">Sant\\u00e9 Nike<\\/a><\\/span><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2020-02-24 09:25:48\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-02-24 09:25:48\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2020-02-24 09:25:48\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(314,36,5,'','2020-02-24 09:28:29',915,559,'6603aa0d6a44c371cd5cc175ef970430d0ab8092','{\"id\":36,\"asset_id\":207,\"parent_id\":\"1\",\"lft\":\"67\",\"rgt\":68,\"level\":1,\"path\":null,\"extension\":\"com_content\",\"title\":\"Disclaimer\",\"alias\":\"disclaimer\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":null,\"checked_out_time\":null,\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2020-02-24 09:28:29\",\"modified_user_id\":null,\"modified_time\":\"2020-02-24 09:28:29\",\"hits\":\"0\",\"language\":\"*\",\"version\":null}',0),(315,72,1,'','2020-02-24 09:28:39',915,4162,'b839b4ff7f686a25719892b60d3cdcd459df9f9e','{\"id\":72,\"asset_id\":\"206\",\"title\":\"Disclaimer\",\"alias\":\"disclaimer\",\"introtext\":\"<p><strong>Purpose<\\/strong><\\/p>\\r\\n<p>The purpose of this policy is to show our respect for your privacy It is indicative of our commitment to protect and safeguard customer information and communications from unauthorised intrusions.\\u00a0<\\/p>\\r\\n<p><strong>Privacy policy for all visitors<\\/strong><\\/p>\\r\\n<p>When visiting our website, our system automatically collects and stores the following information:<\\/p>\\r\\n<ul>\\r\\n<li>The internet protocol (IP) address<\\/li>\\r\\n<li>The pages visited<\\/li>\\r\\n<li>The operating system used<\\/li>\\r\\n<li>The date, time and length of visit<\\/li>\\r\\n<li>The type of browser used, such as Netscape or Internet Explorer<\\/li>\\r\\n<\\/ul>\\r\\n<p>This information does not identify visitors personally, and is used to create a website that is more suited to your browsing needs.<\\/p>\\r\\n<p>\\u00a0<strong>How this information is used<\\/strong><\\/p>\\r\\n<p>This information is used to enable The NCR to:<\\/p>\\r\\n<ul>\\r\\n<li>Provide for our subscribers\' preferences<\\/li>\\r\\n<li>Improve current services provided by us.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Security used to protect Information<\\/strong><\\/p>\\r\\n<p>All information is stored in secure databases, and can only be accessed by entering the correct user name and password. Technology and security features have been implemented to safeguard the privacy of all subscribers from unauthorised access or improper use.<\\/p>\\r\\n<p><strong>Access to the Information<\\/strong><\\/p>\\r\\n<p>Personally identifiable information will not be accessed, modified, shared, sold or otherwise disclosed except:<\\/p>\\r\\n<ul>\\r\\n<li>When given permission by the subscriber to do so<\\/li>\\r\\n<li>To enforce agreements with customers and visitors<\\/li>\\r\\n<li>To protect the rights, property or safety of The NCR, its users or others<\\/li>\\r\\n<li>When required to do so by law<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Changes to the Privacy Policy<\\/strong><\\/p>\\r\\n<p>The NCR reserves the right to amend its privacy policy when the need to do so arises. Subscribers will be notified if any substantial changes are made.<\\/p>\\r\\n<p><strong>\\u00a0Consumer Concerns<\\/strong><\\/p>\\r\\n<p>Any queries relating to this privacy policy can be e-mailed to the The NCR Customer Services Department at \\u00a0info@ncr.org.za<\\/p>\\r\\n<p><span id=\\\"key_word\\\"><a href=\\\"http:\\/\\/www.fmr.cat\\/caacshop\\/sante-running\\\">Sant\\u00e9 Nike<\\/a><\\/span><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"36\",\"created\":\"2020-02-24 09:25:48\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-02-24 09:28:39\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-02-24 09:28:32\",\"publish_up\":\"2020-02-24 09:25:48\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(316,1,1,'','2020-02-24 11:24:39',915,2679,'0b11c032beaba9e318f3df6455221cee540e6a36','{\"id\":1,\"asset_id\":\"57\",\"title\":\"WELCOME TO THE NATIONAL CREDIT REGULATOR\",\"alias\":\"welcome-to-the-national-credit-regulator\",\"introtext\":\"<p>The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. It is tasked with carrying out education, research, policy development, registration of industry participants, investigation of complaints, and ensuring enforcement of the Act.<\\/p>\\r\\n<p>The Act requires the Regulator to promote the development of an accessible credit market, particularly to address the needs of historically disadvantaged persons, low income persons, and remote, isolated or low density communities.<\\/p>\\r\\n<p>The NCR is also tasked with the registration of credit providers, credit bureaux, debt counsellors, Alternative Dispute Resolution, Payment Distribution Agency and enforcement of compliance with the National Credit Act<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-03-06 15:18:44\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-02-24 11:24:39\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-02-24 11:24:06\",\"publish_up\":\"2019-03-06 15:18:44\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":5,\"ordering\":\"6\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"17\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"1\",\"language\":\"*\",\"xreference\":\"\"}',0),(318,22,1,'','2020-02-24 12:12:46',915,6437,'7f753b870f09b7d7b00ba73fd372ee5907c1d20c','{\"id\":22,\"asset_id\":\"118\",\"title\":\"Over-Indebtedness\",\"alias\":\"over-indebtedness\",\"introtext\":\"<p>Consumers are advised to seek help during these tough economical times, instead of rushing to apply for more credit in order to pay off their debts. The NCR as part of our mandate to educate and protect consumers have devised a \\u201cSelf Help\\u201d document for consumers to help you cope with debt stress.<\\/p>\\r\\n<p>The following are tips from the NCR:<\\/p>\\r\\n<p>1. \\u00a0Know your Financial Status<\\/p>\\r\\n<p>1.1 Know all your creditors \\u2013 create a spread sheet of all your accounts\\/debts as well as monthly expenditure.<\\/p>\\r\\n<p>1.1.1 Have a spending plan and stick to it!<\\/p>\\r\\n<p>1.1.2 List all your expenses e.g.<\\/p>\\r\\n<ul>\\r\\n<li>Rent\\/mortgage<\\/li>\\r\\n<li>Water\\/electricity\\/rates<\\/li>\\r\\n<li>Grocery<\\/li>\\r\\n<li>Transport<\\/li>\\r\\n<li>School\\/cr\\u00e8che fees<\\/li>\\r\\n<li>Medical expenses (if not on medical aid)<\\/li>\\r\\n<li>Insurances<\\/li>\\r\\n<li>Bank charges (estimate, based on statement)<\\/li>\\r\\n<\\/ul>\\r\\n<p>1.2 Compare your total monthly income with your total expenditure<\\/p>\\r\\n<p>1.3 If your expenditure is more than your income\\u00a0<\\/p>\\r\\n<p>DO SOMETHING ABOUT IT!<\\/p>\\r\\n<p>2. Communicate with your Credit Providers<\\/p>\\r\\n<p>2.1 Know all your credit providers\\u2019 contact details and keep your account statements in a safe place.<\\/p>\\r\\n<p>2.2 When you are experience problems repaying your debts, contact your creditors. Get in touch with the Credit Department, not your local branch.<\\/p>\\r\\n<p>2.3 Always explain your situation if you cannot afford to pay your instalments.<\\/p>\\r\\n<p>2.4 Do not promise to pay what you don\\u2019t have. Rather negotiate for lower instalments than skip payments.<\\/p>\\r\\n<p><strong>Here are some useful contact details:\\u00a0<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><strong>ABSA<\\/strong> -\\u00a0ABSA Customer Debt Repair Line: 0860 356 356<\\/li>\\r\\n<li><strong>Nedbank<\\/strong> -\\u00a0Debt Rehabilitation &amp; Recoveries Services: 0860 109 279<\\/li>\\r\\n<li><strong>Standard Bank<\\/strong> -\\u00a0Contact your Standard bank branch<\\/li>\\r\\n<li><strong>First National Bank<\\/strong> -\\u00a0Debt Review centre \\u2013 0860 362 002<\\/li>\\r\\n<\\/ul>\\r\\n<p>3. Avoid getting more Debt. Rather downgrade and change your lifestyle!<\\/p>\\r\\n<p>3.1 <strong>Things you need to cut\\/adjust are:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>Domestic worker (unless this is the substitute for cr\\u00e8che)<\\/li>\\r\\n<li>Alcohol<\\/li>\\r\\n<li>Tobacco \\/ cigarettes<\\/li>\\r\\n<li>Entertainment<\\/li>\\r\\n<li>Club membership<\\/li>\\r\\n<li>M-Net, DSTV<\\/li>\\r\\n<li>Holiday clubs<\\/li>\\r\\n<li>Gambling<\\/li>\\r\\n<li>If you are driving an expensive car consider a down grade for a less expensive car. This will reduce your monthly instalment thus enabling you to pay other debts.<\\/li>\\r\\n<li>If you are no longer able to afford the house you live in, consider selling it and getting something more reasonable.<\\/li>\\r\\n<li>Where possible use public transport.<\\/li>\\r\\n<li>Go to your financial advisor and have another look at the insurance contracts that you have. Contact an independent financial advisor. Contact details are available at the FSB at 012 428 8000.You may find that you do not really need some of them.<\\/li>\\r\\n<li>Use any savings you making from your adjustment to pay the most expensive loans such as micro loans followed by your credit card.<\\/li>\\r\\n<\\/ol>\\r\\n<p>4. Look twice for a better price<\\/p>\\r\\n<ul>\\r\\n<li>4.1 When you do your groceries do price comparison across major stores and settle for less. Only buy items that you cannot survive without and look for specials.<\\/li>\\r\\n<li>4.2 No-name brands are usually cheaper and are sometimes of good quality.<\\/li>\\r\\n<li>4.3 Fresh\\/loose vegetables are cheaper than prepared\\/frozen vegetables.<\\/li>\\r\\n<\\/ul>\\r\\n<p>5. If you need support and a helping hand<\\/p>\\r\\n<ul>\\r\\n<li>5.1 Contact a debt counsellor, call 0860 627 627 to locate one in your area or log onto www.ncr.org.zaand click on \\u201cregister of registrants\\u201d, then select debt counsellors.<\\/li>\\r\\n<li>5.2 Once you are under debt counselling, you will not be allowed to access credit until you have received a clearance certificate from a debt counsellor.<\\/li>\\r\\n<li>5.3 If and when you receive letters from your creditors do not ignore them, take them seriously, act on them and seek help!!<\\/li>\\r\\n<\\/ul>\\r\\n<p>6. If you are facing repossession seek advice and remember , you have Rights as well !<\\/p>\\r\\n<ul>\\r\\n<li>6.1 According to the National Credit Act you have certain rights when you want to surrender goods to your credit provider;<\\/li>\\r\\n<li>6.2 You also have rights when the credit provider enforces the debt using repossession.<\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"15\",\"created\":\"2019-03-26 11:12:22\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-02-24 12:12:46\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-02-24 12:11:46\",\"publish_up\":\"2019-03-26 11:12:22\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"5\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"26\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(319,37,5,'','2020-02-24 14:40:34',915,565,'ae7f1734f0763178eb091a85e14b3f9b96638b91','{\"id\":37,\"asset_id\":209,\"parent_id\":\"1\",\"lft\":\"69\",\"rgt\":70,\"level\":1,\"path\":null,\"extension\":\"com_content\",\"title\":\"media Release\",\"alias\":\"media-release\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":null,\"checked_out_time\":null,\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2020-02-24 14:40:34\",\"modified_user_id\":null,\"modified_time\":\"2020-02-24 14:40:34\",\"hits\":\"0\",\"language\":\"*\",\"version\":null}',0),(320,73,1,'','2020-02-24 14:40:54',915,2710,'6923e0708054b428584698331602eb04f17b8f03','{\"id\":73,\"asset_id\":210,\"title\":\"media Release\",\"alias\":\"media-release\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 107px;\\\" width=\\\"994\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>January 2020<\\/td>\\r\\n<td><a href=\\\"documents\\/Shoprite 2020.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Appeal court confirms Shoprite granted credit recklessly to consumers <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2020<\\/td>\\r\\n<td><a href=\\\"documents\\/Asia Lamara.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">National Credit Regulator: Asia Lamara\\u2019s registration as a debt counsellor cancelled <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2020<\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>December 2019<\\/td>\\r\\n<td>\\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2020-02-24 14:40:54\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-02-24 14:40:54\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2020-02-24 14:40:54\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(334,29,1,'','2020-03-05 14:25:02',915,3954,'c2c50d79d5fec88157ddf4a5d0109d043e235a90','{\"id\":29,\"asset_id\":\"133\",\"title\":\"Guidelines\",\"alias\":\"guidelines\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 107px;\\\" width=\\\"994\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Guidelines-for-joint-bonds-mortgage-agreements.pdf\\\">Guidelines for joint bonds\\/mortgage agreements<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Pension-backed-lending-guidelines.pdf\\\">Pension backed lending guidelines<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/debt counselling fee structure guideline.pdf\\\">The debt counselling fee guidelines 2018<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/FEE_GUIDELINE.pdf\\\">Fee guideline and schedules pursuant to the guideline in terms of regulation 19(13) of the national credi<\\/a>t<\\/li>\\r\\n<li><a href=\\\"documents\\/Proposed guidelines to ascertain consumers gross and discretionary incomes.pdf\\\">Proposed guidelines for ascertaining consumer\'s gross and discretionary incomes - for public comment<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Circulars\\/debt counselling fee structure guideline.pdf\\\">The debt counselling fee guidelines 2018<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/NCR_Guidelines in Terms of Reg 19(13).pdf\\\">Guideline for the submission of credit information in terms of regulation 19(13) of the national credit act, 34 of 2005, as amended - 003\\/2017<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/1641AD NCR_Guidelines in Terms o Reg 19(13) 08.pdf\\\">Guideline for the submission of credit information in terms of regulation 19(13) of the national credit act, 34 of 2005, as amended - 002\\/2017 <\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/1567AD NCR_Guidelines Regarding Debt Collection 02.pdf\\\">Guideline for credit providers and credit bureaux in respect of debt that is on-sold<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Fee Guideline 12 Jan 2018.pdf\\\">To the guideline in terms of regulation 19(13) of the national credit act, 34 of 2005, as amended<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"33\",\"created\":\"2019-04-02 12:48:20\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-03-05 14:25:02\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-03-05 14:23:00\",\"publish_up\":\"2019-04-02 12:48:20\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":4,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"51\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(335,29,1,'','2020-03-05 14:28:02',915,3796,'ae5d215c9ec64090747d7317a21833c6e75eb533','{\"id\":29,\"asset_id\":\"133\",\"title\":\"Guidelines\",\"alias\":\"guidelines\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 107px;\\\" width=\\\"994\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Guidelines-for-joint-bonds-mortgage-agreements.pdf\\\">Guidelines for joint bonds\\/mortgage agreements<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Pension-backed-lending-guidelines.pdf\\\">Pension backed lending guidelines<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/debt counselling fee structure guideline.pdf\\\">The debt counselling fee guidelines 2018<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/FEE_GUIDELINE.pdf\\\">Fee guideline and schedules pursuant to the guideline in terms of regulation 19(13) of the national credi<\\/a>t<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Proposed guidelines to ascertain consumers gross and discretionary incomes.pdf\\\">Proposed guidelines for ascertaining consumer\'s gross and discretionary incomes - for public comment<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Circulars\\/debt counselling fee structure guideline.pdf\\\">The debt counselling fee guidelines 2018<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/NCR_Guidelines in Terms of Reg 19(13).pdf\\\">Guideline for the submission of credit information in terms of regulation 19(13) of the national credit act, 34 of 2005, as amended - 003\\/2017<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/1641AD NCR_Guidelines in Terms o Reg 19(13) 08.pdf\\\">Guideline for the submission of credit information in terms of regulation 19(13) of the national credit act, 34 of 2005, as amended - 002\\/2017 <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/1567AD NCR_Guidelines Regarding Debt Collection 02.pdf\\\">Guideline for credit providers and credit bureaux in respect of debt that is on-sold<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Fee Guideline 12 Jan 2018.pdf\\\">To the guideline in terms of regulation 19(13) of the national credit act, 34 of 2005, as amended<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"33\",\"created\":\"2019-04-02 12:48:20\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-03-05 14:28:02\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-03-05 14:25:02\",\"publish_up\":\"2019-04-02 12:48:20\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":5,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"52\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(341,72,1,'','2020-03-17 12:59:58',915,4043,'d47605aecc18dbdc0045a0991f55f5581e2bf78c','{\"id\":72,\"asset_id\":\"206\",\"title\":\"Disclaimer\",\"alias\":\"disclaimer\",\"introtext\":\"<p><strong>Purpose<\\/strong><\\/p>\\r\\n<p>The purpose of this policy is to show our respect for your privacy It is indicative of our commitment to protect and safeguard customer information and communications from unauthorised intrusions.\\u00a0<\\/p>\\r\\n<p><strong>Privacy policy for all visitors<\\/strong><\\/p>\\r\\n<p>When visiting our website, our system automatically collects and stores the following information:<\\/p>\\r\\n<ul>\\r\\n<li>The internet protocol (IP) address<\\/li>\\r\\n<li>The pages visited<\\/li>\\r\\n<li>The operating system used<\\/li>\\r\\n<li>The date, time and length of visit<\\/li>\\r\\n<li>The type of browser used, such as Netscape or Internet Explorer<\\/li>\\r\\n<\\/ul>\\r\\n<p>This information does not identify visitors personally, and is used to create a website that is more suited to your browsing needs.<\\/p>\\r\\n<p>\\u00a0<strong>How this information is used<\\/strong><\\/p>\\r\\n<p>This information is used to enable The NCR to:<\\/p>\\r\\n<ul>\\r\\n<li>Provide for our subscribers\' preferences<\\/li>\\r\\n<li>Improve current services provided by us.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Security used to protect Information<\\/strong><\\/p>\\r\\n<p>All information is stored in secure databases, and can only be accessed by entering the correct user name and password. Technology and security features have been implemented to safeguard the privacy of all subscribers from unauthorised access or improper use.<\\/p>\\r\\n<p><strong>Access to the Information<\\/strong><\\/p>\\r\\n<p>Personally identifiable information will not be accessed, modified, shared, sold or otherwise disclosed except:<\\/p>\\r\\n<ul>\\r\\n<li>When given permission by the subscriber to do so<\\/li>\\r\\n<li>To enforce agreements with customers and visitors<\\/li>\\r\\n<li>To protect the rights, property or safety of The NCR, its users or others<\\/li>\\r\\n<li>When required to do so by law<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Changes to the Privacy Policy<\\/strong><\\/p>\\r\\n<p>The NCR reserves the right to amend its privacy policy when the need to do so arises. Subscribers will be notified if any substantial changes are made.<\\/p>\\r\\n<p><strong>\\u00a0Consumer Concerns<\\/strong><\\/p>\\r\\n<p>Any queries relating to this privacy policy can be e-mailed to the The NCR Customer Services Department at \\u00a0info@ncr.org.za<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"36\",\"created\":\"2020-02-24 09:25:48\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-03-17 12:59:58\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-03-17 12:59:45\",\"publish_up\":\"2020-02-24 09:25:48\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":3,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"19\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(342,38,5,'','2020-03-23 09:56:27',915,2675,'bcec9c6cd7065c1d7969606700ae0b2f7789d2c9','{\"id\":38,\"asset_id\":211,\"parent_id\":\"17\",\"lft\":\"42\",\"rgt\":43,\"level\":2,\"path\":null,\"extension\":\"com_content\",\"title\":\"Webinars\",\"alias\":\"webinars\",\"note\":\"\",\"description\":\"<table border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"10\\\" cellpadding=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong> NCR Educational webinar<\\/strong><\\/td>\\r\\n<td><strong>NCR Task team agreements<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/webinars\\/NCR Webinars.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/webinars\\/ncr_web.png\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view webinar<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/webinars\\/NCR Webinars WEB 2.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/webinars\\/ncr_web.png\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view webinar<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong> NCR DHS transfers webinars<\\/strong><\\/td>\\r\\n<td><strong>NCR DC Bonds<\\/strong>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/webinars\\/NCR WEBINAR WEB 3.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/webinars\\/ncr_web.png\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view webinar<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/webinars\\/DC BONDS.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/webinars\\/ncr_web.png\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view webinar<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong>NCR DC Complaince<\\/strong><\\/td>\\r\\n<td><strong>DC Advertising practices<\\/strong>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/webinars\\/NCR Webinar - DC Complaince.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/webinars\\/ncr_web.png\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view webinar<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/webinars\\/DC ADVERTISING PRACTICES.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/webinars\\/ncr_web.png\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view webinar<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"published\":\"1\",\"checked_out\":null,\"checked_out_time\":null,\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2020-03-23 09:56:27\",\"modified_user_id\":null,\"modified_time\":\"2020-03-23 09:56:27\",\"hits\":\"0\",\"language\":\"*\",\"version\":null}',0),(343,74,1,'','2020-03-23 09:58:22',915,3864,'2d952615b2992185cd75c7695a165c92310697ed','{\"id\":74,\"asset_id\":212,\"title\":\"Webinars\",\"alias\":\"webinars\",\"introtext\":\"<table border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"10\\\" cellpadding=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong> NCR Educational webinar<\\/strong><\\/td>\\r\\n<td><strong>NCR Task team agreements<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/webinars\\/NCR Webinars.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/webinars\\/ncr_web.png\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view webinar<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/webinars\\/NCR Webinars WEB 2.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/webinars\\/ncr_web.png\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view webinar<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong> NCR DHS transfers webinars<\\/strong><\\/td>\\r\\n<td><strong>NCR DC Bonds<\\/strong>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/webinars\\/NCR WEBINAR WEB 3.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/webinars\\/ncr_web.png\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view webinar<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/webinars\\/DC BONDS.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/webinars\\/ncr_web.png\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view webinar<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong>NCR DC Complaince<\\/strong><\\/td>\\r\\n<td><strong>DC Advertising practices<\\/strong>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/webinars\\/NCR Webinar - DC Complaince.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/webinars\\/ncr_web.png\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view webinar<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/webinars\\/DC ADVERTISING PRACTICES.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/webinars\\/ncr_web.png\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view webinar<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"17\",\"created\":\"2020-03-23 09:58:22\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-03-23 09:58:22\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2020-03-23 09:58:22\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(344,74,1,'','2020-03-23 14:08:49',915,3928,'5a7021c783ae89e767c16c5ea79ce6ed5e5c8a40','{\"id\":74,\"asset_id\":\"212\",\"title\":\"Webinars\",\"alias\":\"webinars\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\" width=\\\"100%\\\" cellspacing=\\\"10\\\" cellpadding=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong> NCR Educational webinar<\\/strong><\\/td>\\r\\n<td><strong>NCR Task team agreements<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/webinars\\/NCR Webinars.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/webinars\\/ncr_web.png\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view webinar<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/webinars\\/NCR Webinars WEB 2.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/webinars\\/ncr_web.png\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view webinar<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong> NCR DHS transfers webinars<\\/strong><\\/td>\\r\\n<td><strong>NCR DC Bonds<\\/strong>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/webinars\\/NCR WEBINAR WEB 3.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/webinars\\/ncr_web.png\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view webinar<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/webinars\\/DC BONDS.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/webinars\\/ncr_web.png\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view webinar<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong>NCR DC Complaince<\\/strong><\\/td>\\r\\n<td><strong>DC Advertising practices<\\/strong>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><a href=\\\"documents\\/webinars\\/NCR Webinar - DC Complaince.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/webinars\\/ncr_web.png\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view webinar<\\/a><\\/td>\\r\\n<td><a href=\\\"documents\\/webinars\\/DC ADVERTISING PRACTICES.mp4\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"documents\\/webinars\\/ncr_web.png\\\" alt=\\\"\\\" width=\\\"295\\\" height=\\\"180\\\" \\/><br \\/>Click to view webinar<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"17\",\"created\":\"2020-03-23 09:58:22\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-03-23 14:08:49\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-03-23 14:08:37\",\"publish_up\":\"2020-03-23 09:58:22\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":3,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"6\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(357,75,1,'','2020-03-24 14:06:50',915,7384,'21aa264932c8015f2135d49622bf6ac781c9d911','{\"id\":75,\"asset_id\":213,\"title\":\"Know your Consumer Rights and be protected\",\"alias\":\"know-your-consumer-rights-and-be-protected\",\"introtext\":\"<p align=\\\"right\\\"><strong>March 2020<\\/strong><\\/p>\\r\\n<p>March is Human Rights month and has also been adopted as a Consumer Rights month in South Africa. The 15th of March has been declared World Consumer Rights Day (WCRD) and consumer rights will be celebrated world-wide. The National Credit Regulator (NCR) is one of the consumer protection agencies, which celebrates WCRD and has also adopted the month of March as a consumer rights month. During the month of March, the NCR, intensifies its educational initiatives to advocate key consumer rights and responsibilities and to encourage the credit industry players to comply with the National Credit Act (NCA), says Adv. Kedilatile Legodi, Acting Manager: Education and Communication.<\\/p>\\r\\n<p>The NCR in collaboration with other members of the Consumer Protection Forum (CPF) (CPF is a government voluntary association of consumer protection bodies), will partake in the WCRD celebration on Friday, 13th March 2020 at the East London International Convention Centre in the Eastern Cape under the theme \\u201cFighting Consumer Exploitation.\\u201d<\\/p>\\r\\n<p>This main event will be preceded by a build-up of various events comprising multiple stakeholders. These events will include both compliance monitoring and consumer education and awareness interventions in the Amathole District. In addition to these, the NCR will participate in a number of provincial interactive programmes and undertake awareness programmes using various mediums.<\\/p>\\r\\n<p>This year, the NCR continues to encourage consumers to know their credit rights to make informed credit decisions and speak up when there is a need to do so. Adv. Legodi believes that consumers can only exercise their rights and responsibilities if they are aware of such.<\\/p>\\r\\n<p>The National Credit Act provides for key consumer rights as listed below:<\\/p>\\r\\n<ul>\\r\\n<li>Right to apply for credit \\u2013This application must be made in good faith with truthful disclosure of all information by the consumer. If the application is declined by the credit provider, a consumer has a right to receive reasons why the credit application has been declined;<\\/li>\\r\\n<li>Right to disclosure of information \\u2013 A credit provider must provide a consumer with a pre-agreement statement and quotation before he\\/she can accept and sign the credit agreement;<\\/li>\\r\\n<li>Right to receive documents in official language \\u2013 A consumer has the right to receive any document that is required in terms of the NCA in an official language that the consumer reads or understands, to the extent that is reasonable, having regard to usage, practicality, expense, regional circumstances and the balance of the needs and preferences of the population ordinarily served by the person required to deliver that document;<\\/li>\\r\\n<li>Right to receive information in plain and understandable language \\u2013A credit provider must give the consumer documents that are in plain, simple and understandable language. This means that the contents, meaning and importance of the document must be easy to understand;<\\/li>\\r\\n<li>Right to confidential treatment of personal information \\u2013 This means that the credit provider may only use your information for the purpose for which it was given;<\\/li>\\r\\n<li>Right to access and challenge information held at the credit bureau \\u2013 A Consumer has a right to receive one free credit report once a year from a credit bureau and to challenge any incorrect information;<\\/li>\\r\\n<li>Right to get assistance when over-indebted \\u2013 A consumer has a right to be assisted when struggling to pay debts.<\\/li>\\r\\n<\\/ul>\\r\\n<p>When a need to apply for credit arises, consumers are reminded to only use credit providers registered with the NCR and should never leave their bank cards, SASSA cards, identity documents and bank PIN numbers with credit providers. If consumers fall victim to such a practice, they should approach their local police station to open a case as this is a criminal offence in terms of the NCA. They should also report such cases to the NCR on 0860 627\\u00a0627 or <a href=\\\"mailto:info@ncr.org.za\\\">info@ncr.org.za<\\/a>, adds Legodi.<\\/p>\\r\\n<p>As the NCR continues to raise awareness and educate consumers of their rights and responsibilities, consumers are encouraged to know these rights, use them and be protected, concludes Legodi.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>Ends<\\/strong> <\\/p>\\r\\n<hr \\/>\\r\\n<p align=\\\"center\\\"><strong>About The National Credit Regulator<\\/strong><br \\/> The National Credit Regulator (NCR) was established in terms of the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\">Media Office: <a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><\\/p>\\r\\n<p align=\\\"center\\\">Or<\\/p>\\r\\n<p align=\\\"center\\\">Ntombizodwa Mahlangu<br \\/> (011)\\u00a0 554-2612<br \\/> E-mail: <a href=\\\"mailto:NMahlangu@ncr.org.za\\\">NMahlangu@ncr.org.za<\\/a> <br \\/> Website: www.ncr.org.za<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2020-03-24 14:06:50\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-03-24 14:06:50\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2020-03-24 14:06:50\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(359,76,1,'','2020-03-24 14:13:36',915,5354,'fbe9afa517b6768b82dcbf7b1d6d3f96082afccd','{\"id\":76,\"asset_id\":214,\"title\":\"Avoid panic buying as it may lead to over-indebtedness\",\"alias\":\"avoid-panic-buying-as-it-may-lead-to-over-indebtedness\",\"introtext\":\"<p align=\\\"right\\\"><strong>March 2020<\\/strong><\\/p>\\r\\n<p>Many South Africans are overwhelmed, living in fear and anxiety because of the rapid escalation of the COVID-19 (Coronavirus) which presents an unprecedented threat to South Africa and the world at large. In recent times, we have seen many consumers resorting to panic buying of essential items as the fear of the Coronavirus spreads. The National Credit Regulator (NCR) is encouraging consumers to exercise caution and restraint when spending in this difficult period, says Nomsa Motshegare, Chief Executive Officer of the NCR.<\\/p>\\r\\n<p>Consumers are urged to make responsible financial decisions. Buying under panic and anxiety has the potential for consumers to buy things they do not need and cannot afford. For some consumers to acquire these items, they resort to using credit and this could be detrimental to their overall financial health. It is important for consumers to remember that credit comes at a cost and that the credit acquired has to be repaid, advises Motshegare.<\\/p>\\r\\n<p>Ms Motshegare further advises consumers who may be feeling financially distressed due to the impact of this pandemic to be proactive in addressing their finances and debt. Consumers are advised not to ignore their debts, but to contact their credit providers. Consumers can approach a debt counsellor for further assistance if over-indebted.<\\/p>\\r\\n<p>In light of the recent decrease of the interest rate, consumers should not increase their spending but rather use this opportunity to decrease their current debt and save for emergencies, concludes Motshegare.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>ENDS<\\/strong> <br \\/> \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0<\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><br \\/> The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (NCA) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong><br \\/> Media Office: <a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a> <br \\/> Or<br \\/> Ntombizodwa Mahlangu<br \\/> (011) 554-2624 \\/ 064\\u00a0752 3926<br \\/> E-mail: <a href=\\\"mailto:nmahlangu@ncr.org.za\\\">nmahlangu@ncr.org.za<\\/a> <br \\/> Website: <a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2020-03-24 14:13:36\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-03-24 14:13:36\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2020-03-24 14:13:36\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),