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Section 129 notices
Received a Section 129 Notice? What It Means and What to Check
If you have received a Section 129 notice in South Africa, it generally means that your credit provider alleges that you are in default under a credit…
Credit-report problems
Credit Report Problems and Disputes in South Africa
If your credit report contains incorrect, outdated, duplicated or unfamiliar information, you have the right to challenge its accuracy under South Africa's National Credit Act (NCA).
Section 129 notices
What Happens After a Section 129 Notice?
After a Section 129 notice, summons does not automatically follow after ten business days. Under Section 130 of South Africa's National Credit Act 34 of 2005, several…
Section 129 notices
Never Received the Section 129 Notice? Delivery Questions Explained
If you never received a Section 129 notice in South Africa, that does not automatically mean the credit provider failed to comply with the National Credit Act.…
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11 articles
Vehicle repossession
Can a Bank Repossess a Car Without a Court Order?
For a consumer vehicle-finance agreement governed by South Africa's National Credit Act, a bank generally cannot forcibly take the financed vehicle through self-help if the consumer does not consent. If involuntary repossession is pursued, court…
Credit-report problems
Credit Report Problems and Disputes in South Africa
If your credit report contains incorrect, outdated, duplicated or unfamiliar information, you have the right to challenge its accuracy under South Africa's National Credit Act (NCA).
Credit readiness
Credit Score vs Affordability: What Matters for a Credit Application?
A credit score and an affordability assessment answer different questions. Your credit score summarises aspects of your recorded credit behaviour and repayment risk. Affordability examines whether your financial circumstances can support an additional credit obligation.…
Credit-report problems
How the Credit Bureau Dispute Process Works in South Africa
Have you found incorrect information on your credit report and wondered how to get it corrected?
Section 129 notices
Never Received the Section 129 Notice? Delivery Questions Explained
If you never received a Section 129 notice in South Africa, that does not automatically mean the credit provider failed to comply with the National Credit Act. The law distinguishes between personally receiving or reading…
Section 129 notices
Received a Section 129 Notice? What It Means and What to Check
If you have received a Section 129 notice in South Africa, it generally means that your credit provider alleges that you are in default under a credit agreement and has taken a formal step under…
Vehicle repossession
Voluntary Surrender of a Financed Car Under Section 127
If you can no longer afford your car repayments, you may be considering handing your financed vehicle back to the bank. South Africa's National Credit Act 34 of 2005 provides a legal process for voluntarily…
Section 129 notices
What Happens After a Section 129 Notice?
After a Section 129 notice, summons does not automatically follow after ten business days. Under Section 130 of South Africa's National Credit Act 34 of 2005, several statutory conditions must be satisfied before a credit…
Section 129 notices
What Is a Section 129 Notice?
A Section 129 notice is a formal written notice issued under South Africa's National Credit Act 34 of 2005 when a credit provider alleges that a consumer is in default under a credit agreement. It…
Credit readiness
Why Was My Home Loan Application Declined?
Having your home loan application declined can be deeply disappointing, especially when you have found a property you want to purchase and believed your finances were sufficient to qualify.
Credit readiness
Why Was My Vehicle Finance Application Declined?
Having your vehicle finance application declined can be frustrating, particularly when you have a steady income, have been paying your accounts and expected to qualify.
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