South Africa Case Law

National Credit Regulator v Nonies Legacy (Pty) Ltd t/a Nonies Legacy Cash Loans (NCT-384962-2025-57(1))

National Credit Regulator v Nonies Legacy (Pty) Ltd t/a Nonies Legacy Cash Loans (NCT-384962-2025-57(1)) [2025] ZANCT 38 (23 June 2025)

Court

National Consumer Tribunal

Case number

NCT-384962-2025-57(1)

Judges

MC Peenze, CJ Ntsoane, ZP Ntuli

The Tribunal found a credit provider repeatedly breached the National Credit Act, declared the conduct prohibited and reckless, cancelled registration, and imposed a R100,000 fine.

• National Credit Act
• Reckless Lending
• Affordability Assessment
• Administrative Fine
• Credit Provider Registration
• Consumer Protection

National Consumer Commission v De Jager N.O and Another (NCT/376591/2025/73(2)(b))

National Consumer Commission v De Jager N.O and Another (NCT/376591/2025/73(2)(b)) [2025] ZANCT 36 (3 June 2025)

Court

National Consumer Tribunal

Case number

NCT/376591/2025/73(2)(b)

Judges

C Sassman, CJ Ntsoane, MC Peenze

The Tribunal found that the respondents, acting as trustees of the Shabach Trust trading as Droom Troue, intentionally misled consumers by advertising a competition that did not exist and requiring payment of undisclosed fees to claim a prize. The advertisements failed to disclose that participation was for a reality show, and the MOUs signed by complainants referred to them as winners of a competition. The Tribunal held that the respondents' conduct was unconscionable, misleading, and deceptive, contravening sections 4(5)(b) and 36(2)(a)(i) of the CPA. Although no promotional competition was…

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• Consumer Protection Act
• Misleading Advertising
• Prohibited Conduct
• Administrative Fine
• Refund Of Payments

National Credit Regulator v Xue Cheng (Pty) Ltd Trading as Golden Sun Cash Loans (NCT/266895/2023/140(1))

National Credit Regulator v Xue Cheng (Pty) Ltd Trading as Golden Sun Cash Loans (NCT/266895/2023/140(1)) [2025] ZANCT 17 (29 April 2025)

Court

National Consumer Tribunal

Case number

NCT/266895/2023/140(1)

Judge

A Potwana

The Tribunal confirmed a settlement agreement as a consent order after the respondent admitted National Credit Act contraventions, including reckless lending and excessive fees.

• National Credit Act
• Reckless Lending
• Prohibited Conduct
• Administrative Fine
• Settlement Agreement
• National-credit-act

National Credit Regulator v Alt Bridge Capital (Pty) Ltd (NCT/158515/2020/140(1))

National Credit Regulator v Alt Bridge Capital (Pty) Ltd (NCT/158515/2020/140(1)) [2025] ZANCT 19 (17 April 2025)

Court

National Consumer Tribunal

Case number

NCT/158515/2020/140(1)

Judge

C Sassman

The Tribunal confirmed a settlement agreement as a consent order under the National Credit Act and made no costs order.

• National Credit Act
• Consent Order
• Settlement Agreement
• Administrative Fine
• Consent-order
• Settlement-agreement

National Credit Regulator v Prestige Cash Loans (Pty) Ltd (NCT/257509/2023/57(1))

National Credit Regulator v Prestige Cash Loans (Pty) Ltd (NCT/257509/2023/57(1)) [2025] ZANCT 20 (15 April 2025)

Court

National Consumer Tribunal

Case number

NCT/257509/2023/57(1)

Judges

A Potwana, M Peenze, N Maseti

The Tribunal found that the respondent admitted to contravening multiple provisions of the National Credit Act and related regulations, including operating an unregistered branch, charging excessive interest, and failing to conduct proper affordability assessments. The parties entered into a settlement agreement in which the respondent acknowledged prohibited conduct, agreed to close the unregistered branch, appoint an independent auditor, and pay an administrative fine. The Tribunal held that the application for a consent order was competent and that confirming the settlement agreement as a…

Source excerpt

• National Credit Act
• Prohibited Conduct
• Administrative Fine
• Settlement Agreement
• Credit Provider Registration
• Affordability Assessment

National Credit Regulator v Sizanani Cash Loans (Pty) Ltd (NCT/223359/2022/57(1))

National Credit Regulator v Sizanani Cash Loans (Pty) Ltd (NCT/223359/2022/57(1)) [2025] ZANCT 18 (4 April 2025)

Court

National Consumer Tribunal

Case number

NCT/223359/2022/57(1)

Judges

C Sassman, S Hockey, P Manzi-Ntshingila

The Tribunal confirmed a settlement agreement as a consent order, directed the payment reference number to be used, and made no cost order.

• National Credit Act
• Consent Order
• Administrative Fine
• Prohibited Conduct
• Consent-order
• National-credit-act

National Credit Regulator v K2014241715 (South Africa) Ltd t/a Quick Bucks Cash Loans (NCT/267093/2023/57(1))

National Credit Regulator v K2014241715 (South Africa) Ltd t/a Quick Bucks Cash Loans (NCT/267093/2023/57(1)) [2025] ZANCT 26 (28 March 2025)

Court

National Consumer Tribunal

Case number

NCT/267093/2023/57(1)

Judges

Z Ntuli, S Hockey, S Mbhele

The Tribunal found multiple National Credit Act breaches by a credit provider, declared the conduct prohibited and reckless, cancelled registration, and imposed a R20,000 fine.

• National Credit Act
• Reckless Lending
• Affordability Assessment
• Prohibited Advertising
• Undisclosed Fees
• Administrative Fine

National Consumer Commission v Home Renovations Cape Town (Pty) Ltd (NCT/358791/2024/73(2)(b))

National Consumer Commission v Home Renovations Cape Town (Pty) Ltd (NCT/358791/2024/73(2)(b)) [2025] ZANCT 8 (15 February 2025)

Court

National Consumer Tribunal

Case number

NCT/358791/2024/73(2)(b)

Judges

N Maseti, S Mbhele, MC Peenze

The Tribunal found that the respondent failed to provide renovation services in a manner and quality that persons are generally entitled to expect, as evidenced by multiple defects and incomplete work. The respondent did not remedy the defects or refund the consumer, and its conduct was deemed to contravene sections 54(1)(b) and (c), read with section 54(2) of the Consumer Protection Act. The respondent's failure to oppose the application resulted in the allegations being deemed admitted. The Tribunal considered the seriousness of the contraventions, the financial prejudice suffered by the co…

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• Consumer Protection Act
• Prohibited Conduct
• Administrative Fine
• Refund Of Consideration
• Quality Of Service

Williams v Cell C Ltd (NCT/300948/2023/75(1)(b))

Williams v Cell C Ltd (NCT/300948/2023/75(1)(b)) [2025] ZANCT 12 (11 February 2025)

Court

National Consumer Tribunal

Case number

NCT/300948/2023/75(1)(b)

Judges

C Sassman, S Hockey, C Ntsoane

The Tribunal found that clause 2 of the respondent's terms and conditions was ambiguous and misleading, failing to clearly distinguish between delays in imposing limits and delays in recording usage. The respondent's agent confirmed the limit was set before the applicant's trip, justifying her expectation that charges would not exceed R3 785.00. The respondent's subsequent conduct and terms attempted to limit liability and override statutory obligations, contravening sections 4(4)(a), 4(5)(b), 54(1)(b), 51(1)(b)(i)-(iii), and 48(1)(a)(i)-(ii), (c)(iii) of the CPA. The Tribunal held that the a…

Source excerpt

• Consumer Protection Act
• Unfair Contract Terms
• Misleading Conduct
• Administrative Fine
• Refund Order

National Credit Regulator v Renene t/a Kwa-Whity and Another (NCT/321461/2024/140(1))

National Credit Regulator v Renene t/a Kwa-Whity and Another (NCT/321461/2024/140(1)) [2024] ZANCT 71 (5 December 2024)

Court

National Consumer Tribunal

Case number

NCT/321461/2024/140(1)

Judges

S Hockey, Z Ntuli, P Manzi-Ntshingila

The Tribunal found two Kwa-Whity operators conducted unregistered credit business, retained consumer cards and IDs, and imposed repayment, compliance and fines.

• National Credit Act
• Unlawful Credit Agreements
• Prohibited Conduct
• Administrative Fine
• Consumer Protection
• Registration Of Credit Providers