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


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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