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South Africa decisions
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National Credit Regulator v Titusg Traders (Pty) Ltd (NCT/182923/2021/57(1)) [2022] ZANCT 16 (27 March 2022)
The National Consumer Tribunal cancelled Titusg Traders’ credit provider registration, ordered refunds to affected consumers, and imposed an administrative fine.
National Consumer Regulator v Aganangunite Financial Services and Loans (Pty) Ltd (NCT/140485/2019-140(1)) [2021] ZANCT 1 (22 March 2021)
The Tribunal found a credit provider guilty of repeated NCA breaches, declared several agreements reckless, ordered refunds, and imposed a R250,000 fine.
National Credit Regulator v Dinga Finance CC (NCT/122560/2018/140(1)) [2020] ZANCT 1 (13 February 2020)
The Tribunal found Dinga Finance CC repeatedly contravened the National Credit Act, declared prohibited conduct, imposed a R300,000 fine, and ordered consumer refunds.
National Credit Regulator v Tengizak CC (NCT/91474/2017/57(1)) [2018] ZANCT 47 (2 July 2018)
The Tribunal found Tengizak CC repeatedly breached the National Credit Act by poor affordability assessments and unlawful delivery/pick-up fees, declared the conduct prohibited, and ordered refunds.
National Credit Regulator v Murphy and Sons Cash Loans CC (NCT/82548/2017/57(1)) [2018] ZANCT 14 (23 February 2018)
The Tribunal found that the Respondent repeatedly contravened the National Credit Act and the conditions of its registration as a credit provider. The Respondent failed to conduct proper affordability assessments, entered into reckless credit agreements, failed to keep proper records, did not provide required pre-agreement statements and quotations, and charged excessive interest and fees. The Respondent did not oppose the application and failed to appear at the hearing, resulting in the Applicant's allegations being deemed admitted. The Tribunal concluded that these contraventions amounted t…
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National Credit Regulator v Hua Xiang Cash Loans CC (NCT/76166/2017/57(1)) [2017] ZANCT 94 (27 July 2017)
The Tribunal cancelled a credit provider’s registration, declared repeated contraventions of the National Credit Act prohibited, and ordered refunds plus a R1 million fine.
National Credit Regulator v Mobimoola Financial Services (Pty) Ltd (NCT/18256/2014/140) [2016] ZANCT 50 (4 April 2016)
The Tribunal found that the Respondent contravened sections 81(2) and (3) of the National Credit Act by failing to conduct proper affordability assessments, relying solely on verbal responses without objective verification such as payslips or bank statements. The Respondent also breached section 100(1)(b) by charging initiation fees in excess of the statutory maximum, and failed to provide pre-agreement quotations and copies of credit agreements as required by sections 92(1) and 93(1) and Regulation 28(1). Although the Applicant alleged that the Respondent operated as an unregistered credit p…
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National Credit Regulator v Marang Financial Services (NCT/16157/2014/140(1)) [2015] ZANCT 3 (24 February 2015)
The Tribunal found Marang Financial Services in prohibited conduct under the National Credit Act, ordered consumer refunds, and imposed a R450,000 penalty.
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