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South Africa decisions
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National Credit Regulator v Cash It (Pty) Ltd (NCT/260378/2023/140(1)) [2024] ZANCT 40 (28 October 2024)
The Tribunal dismissed an unopposed application to confirm a settlement as a consent order, finding parts of the agreement unenforceable under the National Credit Act.
NCR v Johann Voigt t/a cash loans (NCT/129036/2019 140(1) NCA) [2021] ZANCT 31 (12 September 2021)
The Tribunal found repeated National Credit Act contraventions by an unregistered credit provider, declared the conduct prohibited, and imposed a R100,000 fine.
National Credit Regulator v Hand in Hand Financial Services CC trading as Thuso Finance (NCT/158511/2020/140(1)) [2021] ZANCT 30 (31 August 2021)
The Tribunal granted default relief against an unregistered credit provider, declared repeated NCA breaches and reckless agreements, and imposed a R200,000 fine.
National Credit Regulator v Aristoscan CC t/a JMK Cash Loans (NCT/128380/2019/140(1)) [2019] ZANCT 103 (1 July 2019)
The Tribunal found that the Respondent repeatedly contravened the National Credit Act by extending credit while unregistered, failing to conduct affordability assessments, charging excessive interest rates, retaining consumer bank and SASSA cards and PINs as security, and failing to provide required pre-agreement disclosures and credit agreements in the prescribed format. The Respondent's conduct was ongoing and serious, affecting vulnerable consumers and resulting in financial loss and privacy violations. The Tribunal held that the requirements for a default judgment were met, as the Respond…
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National Credit Regulator v Mortgage Secured Finance (Pty) Ltd and Others (NCT 84832/2017/140(1)) [2019] ZANCT 41 (5 April 2019)
The Tribunal found reckless lending, prohibited fees, and disclosure failures by a credit provider, set aside the complainants’ loan obligations, and ordered bond cancellation.
National Credit Regulator v Hartney and Another (NCT/104573/2018/140(1)) [2018] ZANCT 86 (20 July 2018)
Default judgment for the NCR: the Tribunal found the respondents repeatedly contravened the National Credit Act and imposed a R100,000 fine.
National Credit Regulator v Asalam Business Enterprise (Pty) Ltd and Another (NCT/74699/2017/140) [2017] ZANCT 126 (8 November 2017)
The Tribunal found unregistered credit providers engaged in reckless lending, unlawful retention of consumer instruments, and excessive interest, then imposed penalties and repayment orders.
National Credit Regulator v Nthatiso (NCT/38746/2016/140(1)) [2016] ZANCT 46 (7 December 2016)
The Tribunal dismissed the NCR’s application against an alleged unregistered credit provider, finding the evidence insufficient to prove the alleged NCA contraventions.
National Credit Regulator v Christin Borman T/A Star Pawn Shop (NCT/8613/2013/57(1)) [2014] ZANCT 46 (8 December 2014)
The Tribunal found an unregistered pawn broker engaged in prohibited conduct under the National Credit Act, ordered consumer refunds, and declined an administrative penalty.
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