Consumer Law

Predatory lending and safeguards in the National Credit Act

29th May 2023|Consumer Law|

Our director Matthew Thomson recently spoke with business and finance journalist Fiona Zerbst of JustMoney on the subject of predatory lending and the safeguards of the National Credit Act. JustMoney’s article is available at: and below: How to identify predatory lenders Disreputable, or predatory, lenders can trap you in an unsustainable debt cycle. We


Electronic signature of sale of immovable property agreements – what’s new?

14th June 2022|Commercial Law, Consumer Law, ICT Law|

If you asked a year ago whether you could sign a sale of immovable property agreement electronically, the short answer would have been that an electronically signed agreement of sale is not valid or binding on the parties. With the swift advances in technology, and more people than ever working remotely, there has been a


I bought a vehicle from a dealer and found it is defective – now what?

23rd February 2022|Consumer Law, Litigation|

We are receiving an increasing number of queries concerning defects in motor vehicles bought from dealers and this article summarises your rights and possible next legal steps in these circumstances. Requirements and Standards in terms of the CPA In terms of Section 56(2) of the Consumer Protection Act 68 of 2008 (“CPA”) a consumer may


What are your rights when you receive defective or unsafe goods under the Consumer Protection Act

19th September 2019|Commercial Law, Consumer Law|

IntroductionThe main aim of the Consumer Protection Act No. 68 of 2008, as amended, (the “CPA”) is to protect the rights of the consumers in South Africa. Although many consumers are aware of the existence of the CPA, not many are familiar with the actual rights relating to the return of defective or unsafe goods


Protecting the ‘unbanked’

27th November 2018|Commercial Law, Consumer Law, Litigation|

In March 2018 the Western Cape High Court delivered a judgment on the validity and effectiveness of the financial assessment mechanisms prescribed by the National Credit Act 34 of 2005 (“the NCA”). This financial assessment is obligatory to all considerations of affordability prior to the extension of credit to a consumer by the relevant credit


The Pitfalls of Recommended Retail Pricing

15th September 2016|Commercial Law, Consumer Law|

We often see the letters “RRP” and a Rand value printed on the packaging of products that we buy. The acronym stands for Recommended Retail Price and it is usually an indication that the supplier has taken heed of the provisions of the Competition Act 98 of 1998 (“the Act”) on Restrictive Vertical Practices. Essentially,


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