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South Africa Case Law

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Banking And Finance [2025] ZANCT 9

Melodi v Experian (Pty) Ltd and Another (NCT/346744/2024/141(1)(b))

Melodi v Experian (Pty) Ltd and Another (NCT/346744/2024/141(1)(b)) [2025] ZANCT 9 (30 January 2025)

The Tribunal ordered Experian to remove inaccurate credit information after finding it failed to verify or correct disputed entries under the NCA.

  • Credit Bureau Obligations
  • Accuracy Of Credit Information
  • Consumer Rights Under Nca
  • Retention Periods
  • Default Proceedings
  • Credit-bureau-obligations
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Banking And Finance [2024] ZANCT 42

Pheko v Lamara and Another (NCT/312494/2024/141/(1)(b))

Pheko v Lamara and Another (NCT/312494/2024/141/(1)(b)) [2024] ZANCT 42 (3 October 2024)

The Tribunal held that the applicant was placed under debt review without consent and ordered the NCR to correct his credit record.

  • National Credit Act
  • Debt Review Removal
  • Consumer Protection
  • Default Proceedings
  • Debt-review-removal
  • Consumer-protection
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Banking And Finance [2019] ZANCT 57

Wesbank, A Division of First Rand Bank Ltd v Coetzee and Others (NCT/124350/2019/165)

Wesbank, A Division of First Rand Bank Ltd v Coetzee and Others (NCT/124350/2019/165) [2019] ZANCT 57 (17 April 2019)

The Tribunal found that the order granted on 8 August 2018 did not reflect the agreed balance and monthly instalments for Wesbank account number 852[…], constituting an obvious error. In the absence of any answering affidavits from the Respondents, the Applicant's allegations were deemed admitted. Section 165(b) of the National Credit Act provides for variation of an order to correct an obvious error. The Tribunal was satisfied that the requirements for variation were met and that the error was clear and material. Accordingly, the Tribunal granted the application to vary the order to reflect…

  • National Credit Act
  • Debt Restructuring
  • Variation Of Order
  • Default Proceedings
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Banking And Finance [2019] ZANCT 39

National Credit Regulator v Loans Acceptable Funding (Pty) Ltd (NCT/122594/2018/140(1))

National Credit Regulator v Loans Acceptable Funding (Pty) Ltd (NCT/122594/2018/140(1)) [2019] ZANCT 39 (7 April 2019)

The Tribunal postponed a default hearing to allow settlement talks or an answering affidavit, with deadlines set and no costs order made.

  • National Credit Act
  • Default Proceedings
  • Settlement Negotiations
  • Postponement Of Hearing
  • Default-proceedings
  • Postponement-of-hearing
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Commercial And Corporate [2018] ZANCT 124

Tshehla v Aucamp Eiendomsbeleggings t/a CA Motors (NCT/95341/2017/75(1)(b))

Tshehla v Aucamp Eiendomsbeleggings t/a CA Motors (NCT/95341/2017/75(1)(b)) [2018] ZANCT 124 (21 September 2018)

The Tribunal postponed the leave-to-refer matter sine die and ordered the Respondent to file a condonation application and answering affidavit within 15 days.

  • Consumer Protection Act
  • Leave To Refer
  • Condonation
  • Default Proceedings
  • Consumer-protection-act
  • National-consumer-tribunal
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Banking And Finance [2018] ZANCT 50

Absa Bank Ltd v Sager and Others (NCT/108118/2018/165)

Absa Bank Ltd v Sager and Others (NCT/108118/2018/165) [2018] ZANCT 50 (31 July 2018)

The Tribunal rescinded a debt re-arrangement order after finding it had been sought on the basis of an erroneous ABSA acceptance letter and defaulted opposition.

  • National Credit Act Section 165
  • Rescission Of Order
  • Debt Rearrangement
  • Default Proceedings
  • National-credit-act
  • Rescission-of-order
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Banking And Finance [2018] ZANCT 74

Motor Finance Corporation (MFC), A Division of Nedbank Limited v Benay Sager and Others (NCT/105280/2018/165)

Motor Finance Corporation (MFC), A Division of Nedbank Limited v Benay Sager and Others (NCT/105280/2018/165) [2018] ZANCT 74 (13 June 2018)

The National Consumer Tribunal rescinded an earlier debt re-arrangement order after finding it had been granted in ignorance of MFC’s opposition.

  • National Credit Act
  • Debt Rearrangement
  • Rescission Of Order
  • Default Proceedings
  • Rescission-of-order
  • National-credit-act
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Banking And Finance [2018] ZANCT 22

Sager obo Mthembu and Another v Absa Bank Limited and Others (NCT/94589/2017/165)

Sager obo Mthembu and Another v Absa Bank Limited and Others (NCT/94589/2017/165) [2018] ZANCT 22 (26 February 2018)

The Tribunal varied an earlier debt-rearrangement order after finding an obvious error in the attached acceptance letter and account details.

  • National Credit Act
  • Debt Restructuring
  • Variation Of Order
  • Default Proceedings
  • National-credit-act
  • Debt-restructuring
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Banking And Finance [2017] ZANCT 139

Nikiwe v Lewis and Another (NCT/86875/2017/165)

Nikiwe v Lewis and Another (NCT/86875/2017/165) [2017] ZANCT 139 (22 December 2017)

The Tribunal refused to rescind a consent order, holding that the applicant’s reasons did not show any error, ambiguity, omission, or common mistake under section 165.

  • Debt Rearrangement
  • Rescission Of Order
  • National Credit Act
  • Default Proceedings
  • Rescission-of-order
  • Consent-order
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Banking And Finance [2017] ZANCT 121

Sager and Others v Absa Bank Limited and Others (NCT/87585/2017/165)

Sager and Others v Absa Bank Limited and Others (NCT/87585/2017/165) [2017] ZANCT 121 (25 October 2017)

The Tribunal varied a debt re-arrangement order to include an omitted BMW interest-rate term, finding the omission was an obvious error under section 165 of the National Credit Act.

  • Debt Restructuring
  • Variation Of Tribunal Order
  • National Credit Act
  • Default Proceedings
  • Debt-restructuring
  • Variation-of-order
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South Africa decisions are organised by court, judge, legal area and indexed issue so a practitioner can move from a proposition to a citable authority with the surrounding context intact.