1. 1. NCA Compliance
      • The National Credit Act, 2005 (“NCA“) regulates the provision of credit to South African credit consumers. The NCA creates various rights for consumers and creates a number of obligations for credit providers. Credit providers need to register with the National Credit Regulator and must follow the strict requirements of the NCA when providing credit. We provide various services relating to the NCA, including:
        • Assistance with registration as a credit provider;
        • Providing opinions on the interpretation of the NCA;
        • Preparing terms and conditions, pre-agreement statements and quotations and other required NCA documentation;
        • Advising on affordability assessment processes; and
        • Defending reckless credit allegations.

Should you require assistance with any of the above please contact Jana Van Zyl, Jessica Paterson or Christiaan Harmse.

• CPA Compliance
  • The Consumer Protection Act, 2009 (“CPA”) regulates the provision of goods and services to consumers in South Africa. The days in which suppliers could conduct business operations without considering consumer rights are a thing of the past. The CPA provides for various rights in relation to marketing, promotional competitions, quality of goods and services, cancellation policies and many more. Our assistance with CPA compliance includes:
    • • Assisting with your promotional competitions;
      • Providing opinions on the interpretation of the CPA;
      • CPA training;
      • Preparing sales and service terms and conditions, returns and cancellation policies and other consumer facing documentation; and
      • Assisting with consumer disputes.

    
    Should you require assistance with any of the above please contact Jana Van Zyl, Jessica Paterson or Christiaan Harmse.