Debt & Your Rights Guides
Know your rights as a borrower. Plain-English guides to the National Credit Act, debt review, garnishee orders, section 129 notices, prescribed debt, debt collectors, repossession and reckless lending. Learn what lenders and collectors are allowed to do, where to complain, and the lawful ways out when repayments become too much, including the Credit Ombud and registered debt counsellors.
20 guides
The Credit Ombud is a free, independent service that resolves disputes between consumers and credit providers, credit bureaus and debt counsellors in South Africa.
Prescribed debt is a debt the Prescription Act no longer lets a creditor enforce in court.
A pre-agreement quote is a written statement a South African credit provider must give you before you sign.
A section 129 notice is a letter a credit provider must send before it can take legal action over a credit agreement in default.
A debit order lets a business take money from your account on agreed dates.
The National Credit Act protects South African borrowers by requiring credit providers to be registered, to assess affordability, to show the full cost in writing, to stay within cost caps and to follow a process before legal action.
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