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South Africa
National Credit Act, 2005
Act 34 of 2005
- Published in Government Gazette 28619 on 15 March 2006
- Assented to on 10 March 2006
- There are multiple commencements
- [This is the version of this document from 30 June 2021.]
Provisions | Status |
---|---|
Chapter 1 (section 1–11); Chapter 2, Part A (section 12–25); Part C (section 35–36); Part D (section 37–38); Chapter 3 (section 39–59); Chapter 4, Part B, section 69, section 73; Chapter 7 (section 134–152); Chapter 8, Part A (section 153–155); Part B (section 156–162); Part C, section 164–170; Chapter 9 (section 171–173) | commenced on 1 June 2006 by Proclamation 22 of 2006. |
Chapter 2, Part B (section 26–34); Chapter 4, Part B, section 67–68, section 70, section 72 | commenced on 1 September 2006 by Proclamation 22 of 2006. |
Chapter 4, Part A (section 60–66); Part B, section 71; Part C (section 74–77); Part D (section 78–88); Chapter 5 (section 89–123); Chapter 6 (section 124–133); Chapter 8, Part C, section 163 | commenced on 1 June 2007 by Proclamation 22 of 2006. |
Chapter 6, Part A, section 126A; Chapter 7, Part C, section 141A | commenced on 31 March 2011. |
Chapter 2, Part A, section 17(4)(e), section 23(3), 23(4), 23(5); Part B, section 26(4)(a), 26(4)(b), 26(5), 26(6), 26(7), 26(8), 26(9), 26(10), 26(11), section 34(1), 34(2); Chapter 3, Part A, section 44A, section 45(4), 45(5), section 48(1A), section 48A, section 49(1)(e), section 51(1)(d), section 52(4)(b)(iii); Part B, section 58A; Chapter 4, Part B, section 71(1)(a), 71(1)(b), 71(4)(a), 71(4)(b), section 71A, section 73(1)(aA); Part D, section 86(10)(a)(i), 86(10)(a)(ii), 86(10)(a)(iii); Chapter 5, Part A, section 91(1), 91(2); Part C, section 100(3), section 106(8); Chapter 6, Part A, section 126B; Part C, section 129(5), 129(6), 129(7); Chapter 7, Part A, section 134A, section 134B; Chapter 8, Part C, section 163(1A), 163(1B), 163(1C) | commenced on 13 March 2015. |
Chapter 3, Part B, section 55(2)(a), 55(2)(b) | not yet commenced. |
- [Amended by Consumer Protection Act, 2008 (Act 68 of 2008) on 31 March 2011]
- [Amended by National Credit Amendment Act, 2014 (Act 19 of 2014) on 13 March 2015]
- [Amended by Financial Sector Regulation Act, 2017 (Act 9 of 2017) on 1 October 2018]
- [Amended by Protection of Personal Information Act, 2013 (Act 4 of 2013) on 30 June 2021]
Chapter 1
Interpretation, purpose and application of Act
Part A – Interpretation
1. Definitions
In this Act—"advertisement" means any written, illustrated, visual or other descriptive material, communication, representation or reference by means of which a person seeks to bring to the attention of all or part of the public the nature, properties, advantages or uses of, conditions on, or prices of—(a)goods to be purchased, leased or otherwise acquired;(b)any available service; or(c)credit to be granted;"agreement" includes an arrangement or understanding between or among two or more parties, which purports to establish a relationship in law between those parties;"alternative dispute resolution agent" means a person providing services to assist in the resolution of consumer credit disputes through conciliation, mediation or arbitration;"applicable provincial legislation" means legislation enacted by a province concerning credit agreements;"Board" [definition of "Board" deleted by section 1(a) of Act 19 of 2014];"Cabinet" means the Cabinet referred to in section 91 of the Constitution;"code of conduct" except in respect of the industry code of conduct contemplated in section 76, means a code regulating the interaction between or among persons conducting business within an industry;[definition of "code of conduct" inserted by section 1(b) of Act 19 of 2014]"collection costs" means an amount that may be charged by a credit provider in respect of enforcement of a consumer’s monetary obligations under a credit agreement, but does not include a default administration charge;"collective agreement" has the meaning set out in the Labour Relations Act, 1995 (Act No. 66 of 1995);"complainant" means a person who has filed a complaint in terms of section 136(1);"confidential information" means personal information that belongs to a person and is not generally available to or known by others;"co-operative" means an autonomous association of persons united voluntarily to meet their common economic and social needs and aspirations through a jointly owned and democratically controlled enterprise organised and operated on co-operative principles;"consumer", in respect of a credit agreement to which this Act applies, means—(a)the party to whom goods or services are sold under a discount transaction, incidental credit agreement or instalment agreement;(b)the party to whom money is paid, or credit granted, under a pawn transaction;(c)the party to whom credit is granted under a credit facility;(d)the mortgagor under a mortgage agreement;(e)the borrower under a secured loan;(f)the lessee under a lease;(g)the guarantor under a credit guarantee; or(h)the party to whom or at whose direction money is advanced or credit granted under any other credit agreement;"consumer court" means a body of that name, or a consumer tribunal, established by provincial legislation;"continuous service" means the supply for consideration of a utility or service, other than credit or access to credit, or the supply of such a utility or service combined with the supply of any goods that are essential for the utilisation of that utility or service by the consumer, with the intent that, so long as the agreement to supply that utility or service remains in force, the supplier will make the service continuously available to be used, accessed or drawn upon—(a)from time to time as determined by the consumer; and(b)with any frequency or in any amount as determined, accessed, required, demanded or drawn upon by the consumer, subject only to any total use or cost limits set out in the agreement;"credit", when used as a noun, means—(a)a deferral of payment of money owed to a person, or a promise to defer such a payment; or(b)a promise to advance or pay money to or at the direction of another person;"credit agent" means a person appointed to represent a credit provider as contemplated in section 163, other than an employee of that credit provider;"credit bureau" means a person required to apply for registration as such in terms of section 43(1);"credit agreement" means an agreement that meets all the criteria set out in section 8;"credit facility" means an agreement that meets all the criteria set out in section 8(3);"credit guarantee" means an agreement that meets all the criteria set out in section 8(5);"credit insurance" means an agreement between an insurer, on one hand, and a credit provider or a consumer or both, on the other hand, in terms of which the insurer agrees to pay a benefit upon the occurrence of a specified contingency, primarily for the purpose of satisfying all or part of the consumer’s liability to the credit provider under a credit agreement as at the time that the specified contingency occurs, and includes—(a)a credit life insurance agreement;(b)an agreement covering loss of or damage to property; or(c)an agreement covering—(i)loss or theft of an access card, personal information number or similar device; or(ii)any loss or theft of credit consequential to a loss or theft contemplated in subparagraph (i);"credit life insurance" includes cover payable in the event of a consumer’s death, disability, terminal illness, unemployment, or other insurable risk that is likely to impair the consumer’s ability to earn an income or meet the obligations under a credit ameement;"credit provider", in respect of a credit agreement to which this Act applies, means—(a)the party who supplies goods or services under a discount transaction, incidental credit agreement or instalment agreement;(b)the party who advances money or credit under a pawn transaction;(c)the party who extends credit under a credit facility;(d)the mortgagee under a mortgage agreement;(e)the lender under a secured loan;(f)the lessor under a lease;(g)the party to whom an assurance or promise is made under a credit guarantee;(h)the party who advances money or credit to another under any other credit agreement; or(i)any other person who acquires the rights of a credit provider under a credit agreement after it has been entered into;"credit regulator" means a provincial credit regulator or the National Credit Regulator established by section 12;"credit transaction" means an agreement that meets the criteria set out in section 8(4);"credit co-operative" means a co-operative whose predominant purpose is to offer financial services to its members;"default administration charge" means a charge that may be imposed by a credit provider to cover administration costs incurred as a result of a consumer defaulting on an obligation under a credit agreement;"developmental credit agreement" means a credit agreement that satisfies the criteria set out in section 10;"discount transaction" means an agreement, irrespective of its form, in terms of Which—(a)goods or services are to be provided to a consumer over a period of time; and(b)more than one price is quoted for the goods or service, the lower price being applicable if the account is paid on or before a determined date, and a higher price or prices being applicable if the price is paid after that date, or is paid periodically during the period;"educational loan" means—(a)a student loan;(b)a school loan; or(c)another credit agreement entered into by a consumer for purposes related to the consumer’s adult education, training or development;"effective date", in relation to any particular provision of this Act, means the date on which that provision came into operation;"emergency loan" means a credit agreement entered into by a consumer to finance costs arising from or associated with—(a)a death, illness or medical condition;(b)unexpected loss or interruption of income; or(c)catastrophic loss of or damage to home or property due to fire, theft, or natural disaster,affecting the consumer, a person who is dependent upon the consumer or a person for whom the consumer is financially responsible;"equality court" has the meaning set out in the Promotion of Equality and Prevention of Unfair Discrimination Act;"incidental credit agreement" means an agreement, irrespective of its form, in terms of which an account was tendered for goods or services that have been provided to the consumer, or goods or services that are to be provided to a consumer over a period of time and either or both of the following conditions apply:(a)a fee, charge or interest became payable when payment of an amount charged in terms of that account was not made on or before a determined period or date; or(b)two prices were quoted for settlement of the account, the lower price being applicable if the account is paid on or before a determined date, and the higher price being applicable due to the account not having been paid by that date."initiation fee" means a fee in respect of costs of initiating a credit agreement, and—(a)charged to the consumer by the credit provider; or(b)paid to the credit provider by the consumer upon entering into the credit agreement;"inspector" means a person appointed as such in terms of section 25(1)(a);"instalment agreement" means a sale of movable property in terms of which—(a)all or part of the price is deferred and is to be paid by periodic payments;(b)possession and use of the property is transferred to the consumer;(c)ownership of the property either—(i)passes to the consumer only when the agreement is fully complied with; or(ii)passes to the consumer immediately subject to a right of the credit provider to re-possess the property if the consumer fails to satisfy all of the consumer’s financial obligations under the agreement; and(d)interest, fees or other charges are payable to the credit provider in respect of the agreement, or the amount that has been deferred;"juristic person" includes a partnership, association or other body of persons, corporate or unincorporated, or a trust if—(a)there are three or more individual trustees; or(b)the trustee is itself a juristic person,but does not include a stokvel;"Land and Agricultural Development Bank" has the meaning set out in the Land and Agricultural Development Bank Act, 2002 (Act No. 15 of 2002);"lease" means an agreement in terms of which—(a)temporary possession of any movable property is delivered to or at the direction of the consumer, or the right to use any such property is granted to or at the direction of the consumer;(b)payment for the possession or use of that property is—(i)made on an agreed or determined periodic basis during the life of the agreement; or(ii)deferred in whole or in part for any period during the life of the agreement;(c)interest, fees or other charges are payable to the credit provider in respect of the agreement, or the amount that has been deferred; and(d)at the end of the term of the agreement, ownership of that property either—(i)passes to the consumer absolutely; or(ii)passes to the consumer upon satisfaction of specific conditions set out in the agreement;"licence" means the authority, regardless of its specific title or form, issued to a regulated financial institution and in terms of which it is authorised to conduct its business;"low income housing" includes any housing provided in terms of a housing development program, housing assistance measure or any other measure or arrangement designed to—(a)facilitate access to housing or housing delivery; or(b)rehabilitate or upgrade existing housing stock, or related municipal infrastructure and services, for the benefit of persons contemplated in section 13(a) or other persons who cannot independently provide for their own housing needs;"Magistrates’ Courts Act" means the Magistrates’ Courts Act, 1944 (Act No. 32 of 1944);"MEC" means a Member of the Executive Council;"member of the Board" [definition of "member of the Board" deleted by section 1(c) of Act 19 of 2014]"Minister" means the member of the Cabinet responsible for consumer credit matters;"mortgage" means a mortgage bond registered by the registrar of deeds over immovable property that serves as continuing covering security for a mortgage agreement;[definition of "mortgage" substituted by section 1(d) of Act 19 of 2014]"mortgage agreement" means a credit agreement that is secured by the registration of a mortgage bond by the registrar of deeds over immovable property;[definition of "mortgage agreement" substituted by section 1(e) of Act 19 of 2014]"official language" means an official language listed in section 6(1) of the Constitution;"ombud with jurisdiction", in respect of any particular dispute arising out of a credit agreement in terms of which the credit provider is a "financial institution" as defined in the Financial Sector Regulation Act, 2017, means an "ombud scheme", as that term is defined in that Act, that has jurisdiction in terms of that Act to deal with a complaint against that financial institution;[definition of "ombud with jurisdiction" substituted by section 290 of Act 9 of 2017]"organ of state" means an organ of state as defined in section 239 of the Constitution;"pawn transaction" means an agreement, irrespective of its form, in terms of which—(a)one party advances money or grants credit to another, and at the time of doing so, takes possession of goods as security for the money advanced or credit granted; and(b)either—(i)the estimated resale value of the goods exceeds the value of the money provided or the credit granted, or(ii)a charge, fee or interest is imposed in respect of the agreement, or in respect of the amount loaned or the credit granted; and(c)the party that advanced the money or granted the credit is entitled on expiry of a defined period to sell the goods and retain all the proceeds of the sale in settlement of the consumer’s obligations under the agreement;"payment distribution agent" means a person who on behalf of a consumer, that has applied for debt review in terms of this Act, distributes payments to credit providers in terms of a debt rearrangement, court order, order of the Tribunal or an agreement;[definition of "payment distribution agent" inserted by section 1(f) of Act 19 of 2014]"premises" includes land, or any building, structure, vehicle, ship, boat, vessel, aircraft or container;"prescribed" means prescribed by regulation;"principal debt" means the amount calculated in accordance with section 101(1)(a);"private dwelling" means any part of a formal or informal structure that is occupied as a residence, or any part of a structure or outdoor living area that is accessory to, and used principally for the purposes of, a residence;"prohibited conduct" means any act or omission in contravention of the Act, other than an act or omission as contemplated in section 55(2)(b) or that constitutes an offence under this Act, by—(a)an unregistered person who is required to be registered to engage in such an act; or(b)a credit provider, credit bureau or debt counselor;[definition of "prohibited conduct" substituted by section 1(g) of Act 19 of 2014 and by section 110 of Act 4 of 2013]"Promotion of Equality and Prevention of Unfair Discrimination Act" means the Promotion of Equality and Prevention of Unfair Discrimination Act, 2000 (Act No. 4 of 2000);"provincial credit regulator" means a body within the provincial sphere of government authorised to regulate consumer credit matters within a province;"public interest credit agreement" means a credit agreement that meets all the criteria prescribed in terms of section 11, and which is therefore exempt from the application of provisions of this Act concerning reckless credit;"public regulation" means any national, provincial or local government legislation or subordinate legislation, or any licence, tariff, directive or similar authorisation issued by a regulatory authority or pursuant to any statutory authority;"reckless credit" means the credit granted to a consumer under a credit agreement concluded in circumstances described in section 80;"registrant" means a person who has been registered in terms of this Act;"regulated financial institution" means a bank as defined in the Banks Act, 1990 (Act No. 94 of 1990) a Mutual Bank as defined in the Mutual Banks Act, 1993 (Act No. 124 of 1993); or any other financial institution that is similarly licensed and authorised to conduct business and take deposits from the public, in terms of any national legislation;"regulation" means a regulation made under this Act;"regulatory authority" means an entity established in terms of national or provincial legislation responsible for regulating an industry, or sector of an industry;"repealed law" means an Act mentioned in section 172(4), or a public regulation made in terms of such an Act;"representative trade union" has the meaning set out in the Labour Relations Act, 1995 (Act No. 66 of 1995);"respondent" means a person against whom a complaint or application has been initiated in terms of this Act;"school loan" means a credit agreement in terms of which—(a)money is paid to a primary or secondary school on account of school fees or related costs for the benefit of the consumer’s child or other dependant; or(b)a primary or secondary school defers payment of all or part of the school fees or related costs for the consumer’s child or other dependant;"secured loan" means an agreement, irrespective of its form but not including an instalment agreement, in terms of which a person—(a)advances money or grants credit to another, and(b)retains, or receives a pledge to any movable property or other thing of value as security for all amounts due under that agreement;[paragraph (b) substituted by section 1(h) of Act 19 of 2014]"service fee" means a fee that may be charged periodically by a credit provider in connection with the routine administration cost of maintaining a credit agreement;"settlement value" means the amount in respect of a credit agreement that is required to be paid on a particular date to satisfy all the consumer’s financial obligations to the credit provider, as calculated in accordance with section 125(2);"sms" means a short message service provided through a telecommunication system;"small business" has the meaning set out in the National Small Business Act, 1996 (Act No. 102 of 1996);"South African Reserve Bank" has the meaning set out in the South African Reserve Bank Act, 1989 (Act No. 90 of 1989);"statutory exception" means a provision of this Act that specifically provides for exceptional treatment of developmental credit agreements;"stokvel" means a formal or informal rotating financial scheme with entertainment, social or economic functions, which—(a)consists of two or more persons in a voluntary association, each of whom has pledged mutual support to the others towards the attainment of specific objectives;(b)establishes a continuous pool of capital by raising funds by means of the subscriptions of the members;(c)grants credit to and on behalf of members;(d)provides for members to share in profits from, and to nominate management of, the scheme; and(e)relies on self-imposed regulation to protect the interest of its members;"student loan" means a credit agreement in terms of which—(a)money is paid by the credit provider to an institution of tertiary education on account of education fees or related costs for the benefit of the consumer or a dependant of the consumer; or(b)an institution of tertiary education defers payment of all or part of the consumer’s education fees or related costs;"temporary increase" with respect to the credit limit applicable to a credit facility, means an increase in circumstances described in section 119(2);"this Act" includes a Schedule to this Act, a regulation made or a notice issued under this Act;"Tribunal" means the National Consumer Tribunal established by section 26; and"utility" means the supply to the public of an essential—(a)commodity, such as electricity, water, or gas; or(b)service, such as waste removal, or access to sewage lines, telecommunication networks or any transportation infrastructure.2. Interpretation
Part B – Purpose and application
3. Purpose of Act
The purposes of this Act are to promote and advance the social and economic welfare of South Africans, promote a fair, transparent, competitive, sustainable, responsible, efficient, effective and accessible credit market and industry, and to protect consumers, by—4. Application of Act
5. Limited application of Act to incidental credit agreements
6. Limited application of Act when consumer is juristic person
The following provisions of this Act do not apply to a credit agreement or proposed credit agreement in terms of which the consumer is a juristic person:7. Threshold determination and industry tiers
Part C – Classification and categories of credit agreements
8. Credit agreements
9. Categories of credit agreements
10. Developmental credit agreements
11. Public interest credit agreements
Chapter 2
Consumer credit institutions
Part A – National Credit Regulator
12. Establishment of National Credit Regulator
13. Development of accessible credit market
The National Credit Regulator is responsible to—14. Registration functions of National Credit Regulator
The National Credit Regulator is responsible to regulate the consumer credit industry by—15. Enforcement functions of National Credit Regulator
The National Credit Regulator must enforce this Act by—16. Research and public information
17. Relations with other regulatory authorities
18. Reporting requirements of National Credit Regulator
19. ***
[section 19 repealed by section 3 of Act 19 of 2014]20. ***
[section 20 repealed by section 3 of Act 19 of 2014]21. ***
[section 21 repealed by section 3 of Act 19 of 2014]22. ***
[section 22 repealed by section 3 of Act 19 of 2014]23. Appointment of Chief Executive Officer
24. Conflicting interests
The Chief Executive Officer, and each other employee of the National Credit Regulator, must not—25. Appointment of inspectors and investigators
Part B – National Consumer Tribunal
26. Establishment and constitution of Tribunal
27. Functions of Tribunal
The Tribunal or a member of the Tribunal acting alone in accordance with this Act or the Consumer Protection Act, 2008 may—28. Qualifications of members of Tribunal
29. Term of office of members of Tribunal
30. Deputy Chairperson of Tribunal
31. Tribunal proceedings
32. Conflicts and disclosure of interest
33. Acting by member of Tribunal after expiry of term of office
If, on the expiry of the term of office of a member of the Tribunal, that member is still considering a matter before the Tribunal, that member may continue to act as a member in respect of that matter only.34. Remuneration and benefits
Part C – Administrative matters
35. Finances
36. Reviews and reports to Minister
Part D – National and provincial co-operation
37. Co-operative exercise of concurrent jurisdiction
38. Information sharing
Chapter 3
Consumer credit industry regulation
Part A – Registration requirements, criteria and procedures
39. Limited application of this Part
40. Registration of credit providers
41. Supplementary registration to provide developmental credit
42. Thresholds applicable to credit providers
43. Registration of credit bureaux
44. Registration of debt counsellors
44A. Registration of payment distribution agents
45. Application for registration
46. Disqualification of natural persons
47. Disqualification of juristic persons and associations
48. Conditions of registration
48A. Code of conduct
49. Variation of conditions of registration
50. Authority and standard conditions of registration
51. Application, registration and renewal fees
52. Certificate, validity and public notice of registration
53. National record of registrations
Part B – Compliance procedures and cancellation of registration
54. Restricted activities by unregistered persons
55. Compliance notices
56. Objection to notices
57. Cancellation of registration
58. Voluntary cancellation of registration
A registrant may cancel its registration by giving the National Credit Regulator written notice in the prescribed manner and form—58A. Additional requirements for cancellations
59. Review or appeal of decisions
Chapter 4
Consumer credit policy
Part A – Consumer rights
60. Right to apply for credit
61. Protection against discrimination in respect of credit
62. Right to reasons for credit being refused
63. Right to information in official language
64. Right to information in plain and understandable language
65 Right to receive documents
66. Protection of consumer credit rights
Part B – Confidentiality, personal information and consumer credit records
67. Conflicting legislation
In the case of an inconsistency between a provision of this Part read with relevant definition in section 1, and a provision of the Promotion of Access to Information Act, 2000 (Act No. 2 of 2000), the provisions of this Part and that Act apply concurrently, to the extent that the provisions of this Part are not excluded in terms of section 5 of that Act.68. Right to confidential treatment
69. National register of credit agreements
70. Credit bureau information
71. Removal of record of debt adjustment or judgment
71A. Automatic removal of adverse consumer credit information
72. Right to access and challenge credit records and information
73. Verification, review and removal of consumer credit information
Part C – Credit marketing practices
74. Negative option marketing and opting out requirements
75. Marketing and sales of credit at home or work
76. Advertising practices
77. Required marketing information
Any solicitation by or on behalf of a credit provider for the purpose of inducing a person to apply for or obtain credit must include a statement with the prescribed information for the particular type of solicitation.Part D – Over-indebtness and reckless credit
78. Application and interpretation of this Part
79. Over-indebtedness
80 Reckless credit
81. Prevention of reckless credit
82. Assessment mechanisms and procedures
83. Declaration of reckless credit agreement
[heading substituted by section 25(a) of Act 19 of 2014]84. Effect of suspension of credit agreement
85. Court may declare and relieve over-indebtedness
Despite any provision of law or agreement to the contrary, in any court proceedings in which a credit agreement is being considered, if it is alleged that the consumer under a credit agreement is over-indebted, the court may—86. Application for debt review
87. Magistrate’s Court may re-arrange consumer’s obligations
88. Effect of debt review or re-arrangement order or agreement
Chapter 5
Consumer credit agreements
Part A – Unlawful agreements and provisions
89. Unlawful credit agreements
90. Unlawful provisions of credit agreement
91. Prohibition of unlawful provisions in credit agreements and supplementary agreements
Part B – Disclosure, form and effect of credit agreements
92. Pre-agreement disclosure
93. Form of credit agreements
94. Liability for lost or stolen cards or other identification devices
95. Changes, deferrals and waivers
The provision of credit as a result of a change to an existing credit agreement, or a deferral or waiver of an amount under an existing credit agreement, is not to be treated as creating a new credit agreement for the purposes of this Act if the change, deferral or waiver is made in accordance with this Act or the agreement.96. Address for notice
97 Consumer must disclose location of goods
98. Agreement attaches to substituted goods
If, after delivery to the consumer of goods that are subject to a credit agreement, the consumer and the credit provider agree to substitute other goods for all or part of the goods so described—99. Obligations of pawn brokers
Part C – Consumer's liability, interest, charges and fees
100. Prohibited charges
101. Cost of credit
102. Fees or charges
103. Interest
104. Changes to interest, credit fees or charges
105. Maximum rates of interest, fees and charges
106. Credit insurance
Part D – Statements of account
107. Limited application of this Part
108. Statement of account
109. Form and content of statement of account
110. Statement of amount owing and related matters
111. Disputed entries in accounts
112. Dating and adjustment of debits and credits in accounts
113. Statement of settlement amount
114. Tribunal may order statement to be provided
If a statement is not offered or delivered within the time required by this Part, the Tribunal, on application by the consumer, may—115. Disputes concerning statements
Part E – Alteration credit agreement
116. Alteration of original or amended agreement document
Any change to a document recording a credit agreement or an amended credit agreement, after it is signed by the consumer, if applicable, or delivered to the consumer, is void unless—117. Changes by agreement
118. Reductions to credit limit under credit facility
119. Increases in credit limit under credit facility
120. Unilateral changes by credit provider
Part F – Rescission and termination of credit agreements
121. Consumer’s right to rescind credit agreement
122. When consumer may terminate agreement
123. Termination of agreement by credit provider
Chapter 6
Collection, repayment, surrender and debt enforcement
Part A – Collection and repayment practices
124. Charges to other accounts
125. Consumer’s or guarantor’s right to settle agreement
126. Early payments and crediting of payments
126A. Restrictions on certain practices relating to credit agreements
126B. Application of prescription on debt
Part B – Surrender of goods
127. Surrender of goods
128. Compensation for consumer
Part C – Debt enforcement by repossession or judgment
129. Required procedures before debt enforcement
130. Debt procedures in a court
131. Repossession of goods
If a court makes an attachment order with respect to property that is the subject of a credit agreement, section 127(2) to (9) and section 128, read with the changes required by the context, apply with respect to any goods attached in terms of that order.132. Compensation for credit provider
133. Prohibited collection and enforcement practices
Chapter 7
Dispute settlement other than debt enforcement
Part A – Alternative dispute resolution
134. Alternative dispute resolution
134A. Registration and accreditation of alternative dispute resolution agents
The National Credit Regulator must register and accredit alternative dispute resolution agents.[section 134A inserted by section 35 of Act 19 of 2014]134B. Deregistration of alternative dispute resolution agents
135. Dispute resolution may result in consent order
Part B – Initiating complaints or applications
136. Initiating a complaint to National Credit Regulator
137. Initiating applications to Tribunal
138. Consent orders
Part C – Informal resolution or investigation of complaints
139. Investigation by National Credit Regulator
140. Outcome of complaint
141. Referral to Tribunal
141A. Extended application of this Part
This Part applies to any matter before the Tribunal irrespective of whether the matter arises in terms of this Act or any other legislation.[section 141A added by section 121(1) of Act 68 of 2008]Part D – Tribunal consideration of complaints, applications and referrals
142. Hearings before Tribunal
143. Right to participate in hearing
The following persons may participate in a hearing contemplated in this Part, in person or through a representative, and may put questions to witnesses and inspect any books, documents or items presented at the hearing:144. Powers of member presiding at hearing
The member of the Tribunal presiding at a hearing may—145. Rules of procedure
Subject to the rules of procedure of the Tribunal, the member of the Tribunal presiding at a hearing may determine any matter of procedure for that hearing, with due regard to the circumstances of the case and the requirements of the applicable sections of this Act.146. Witnesses
147. Costs
148. Appeals and reviews
Part E – Tribunal orders
149. Interim relief
150. Orders of Tribunal
In addition to its other powers in terms of this Act, the Tribunal may make an appropriate order in relation to prohibited conduct or required conduct in terms of Act, or the Consumer Protection Act, 2008, including—151. Administrative fines
152. Status and enforcement of orders
Chapter 8
Enforcement of Act
Part A – Searches
153. Authority to enter and search under warrant
154. Powers to enter and search
155. Conduct of entry and search
Part B – Offences
156. Breach of confidence
157. Hindering administration of Act
It is an offence to hinder, oppose, obstruct or unduly influence any person who is exercising a power or performing a duty delegated, conferred or imposed on that person by this Act.158. Failure to attend when summoned
A person commits an offence who, having been directed or summoned to attend a hearing—159. Failure to answer fully or truthfully
A person commits an offence who, having been sworn in or having made an affirmation—160. Offences relating to regulator and Tribunal
161. Penalties
Any person convicted of an offence in terms of this Act, is liable—162. Magistrate’s Court jurisdiction to impose penalties
Despite anything to the contrary contained in any other law, a Magistrate’s Court has jurisdiction to impose any penalty provided for in section 161.Part C – Miscellaneous matters
163. Agents
164. Civil actions and jurisdiction
Nothing in this Act renders void a credit agreement or a provision of a credit agreement that, in terms of this Act, is prohibited or may be declared unlawful unless a court declares that agreement or provision to be unlawful.165. Variation of order
The Tribunal, acting of its own accord or on application by a person affected by a decision or order, may vary or rescind its decision or order—166. Limitations of bringing action
167. Standard of proof
In any proceedings before the Tribunal, or before a consumer court, in terms of this Act the standard of proof is on a balance of probabilities.168. Serving documents
Unless otherwise provided in this Act, a notice, order or other document that, in terms of this Act, must be served on a person will have been properly served when it has been either—169. Proof of facts
170. Credit provider to keep records
A credit provider must maintain records of all applications for credit, credit agreements and credit accounts in the prescribed manner and form and for the prescribed time.Chapter 9
General provisions
171. Regulations
172. Conflicting legislation, consequential amendments, repeal of laws and transitional arrangements
173. Short title and commencement
This Act is called the National Credit Act, 2005, and comes into operation on a date fixed by the President by proclamation in the Gazette.History of this document
30 June 2021 this version
Amended by
Protection of Personal Information Act, 2013
01 October 2018
13 March 2015
31 March 2011
01 June 2007
Commenced by
National Credit Act, 2005: Commencement
01 September 2006
Commenced by
National Credit Act, 2005: Commencement
01 June 2006
Commenced by
National Credit Act, 2005: Commencement
15 March 2006
10 March 2006
Assented to
Subsidiary legislation
Cited documents 29
Legislation 29
- Alienation of Land Act, 1981
- Banks Act, 1990
- Competition Act, 1998
- Constitution of the Republic of South Africa, 1996
- Corporation for Public Deposits Act, 1984
- Criminal Procedure Act, 1977
- Customs and Excise Act, 1964
- Electronic Communications and Transactions Act, 2002
- Financial Institutions Amendment Act, 1990
- Financial Intelligence Centre Act, 2001
- Home Loan and Mortgage Disclosure Act, 2000
- Income Tax Act, 1962
- Insolvency Act, 1936
- Labour Relations Act, 1995
- Long-term Insurance Act, 1998
- Magistrates' Courts Act, 1944
- Matrimonial Property Act, 1984
- Mutual Banks Act, 1993
- National Payment System Act, 1998
- National Small Enterprise Act, 1996
- Prescription Act, 1969
- Prevention and Combating of Corrupt Activities Act, 2004
- Promotion of Access to Information Act, 2000
- Promotion of Equality and Prevention of Unfair Discrimination Act, 2000
- Public Finance Management Act, 1999
- Short-term Insurance Act, 1998
- Small Claims Courts Act, 1984
- South African Reserve Bank Act, 1989
- Value-Added Tax Act, 1991
Documents citing this one 560
Gazette 127
- Eastern Cape Provincial Gazette dated 2016-03-04 number 3618
- Eastern Cape Provincial Gazette dated 2019-03-04 number 4200
- Eastern Cape Provincial Gazette dated 2023-11-24 number 5015
- Eastern Cape Provincial Gazette dated 2023-11-24 number 5016
- Gauteng Provincial Gazette dated 2016-11-23 number 378
- Gauteng Provincial Gazette dated 2018-07-04 number 179
- Gauteng Provincial Gazette dated 2022-01-05 number 2
- KwaZulu-Natal Provincial Gazette dated 2008-06-18 number 115
- KwaZulu-Natal Provincial Gazette dated 2022-02-03 number 2365
- Limpopo Provincial Gazette dated 2013-12-13 number 2289
- Limpopo Provincial Gazette dated 2019-09-27 number 3036
- Mpumalanga Provincial Gazette dated 2019-12-20 number 3113
- North-West Provincial Gazette dated 2009-03-24 number 6616
- North-West Provincial Gazette dated 2015-05-27 number 7452
- Northern Cape Provincial Gazette dated 2011-08-04 number 1534
- Northern Cape Provincial Gazette dated 2012-03-28 number 1584
- Northern Cape Provincial Gazette dated 2012-10-14 number 1741
- Northern Cape Provincial Gazette dated 2012-11-08 number 1750
- South Africa Government Gazette Legal Notices A dated 2015-12-04 number 39474 part 1
- South Africa Government Gazette Legal Notices A dated 2016-04-15 number 39923 part 1
- South Africa Government Gazette Legal Notices A dated 2018-07-20 number 41779 part 1
- South Africa Government Gazette Legal Notices A dated 2019-07-26 number 42595 part 1
- South Africa Government Gazette Legal Notices A dated 2019-11-29 number 42864 part 1
- South Africa Government Gazette Legal Notices A dated 2021-10-22 number 45346 part 1
- South Africa Government Gazette Legal Notices A dated 2021-11-26 number 45534 part 1
- South Africa Government Gazette Legal Notices A dated 2022-03-18 number 46052 part 1
- South Africa Government Gazette Legal Notices A dated 2022-03-25 number 46082 part 1
- South Africa Government Gazette Legal Notices A dated 2022-04-29 number 46291 part 1
- South Africa Government Gazette Legal Notices A dated 2022-07-08 number 46678 part 1
- South Africa Government Gazette Legal Notices A dated 2023-11-10 number 49616 part 1
- South Africa Government Gazette Legal Notices A dated 2023-11-24 number 49760 part 1
- South Africa Government Gazette Regulation Gazette dated 2008-12-05 number 31658
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- South Africa Government Gazette Regulation Gazette dated 2014-02-26 number 37386
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- South Africa Government Gazette Regulation Gazette dated 2014-11-14 number 38205
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- South Africa Government Gazette Regulation Gazette dated 2015-05-29 number 38836
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- South Africa Government Gazette Regulation Gazette dated 2015-07-21 number 39007
- South Africa Government Gazette Regulation Gazette dated 2016-10-07 number 40335
- South Africa Government Gazette Regulation Gazette dated 2021-01-25 number 44099
- South Africa Government Gazette Regulation Gazette dated 2022-01-19 number 45778
- South Africa Government Gazette Regulation Gazette dated 2022-05-31 number 46459
- South Africa Government Gazette dated 2006-06-01 number 28893
- South Africa Government Gazette dated 2006-07-12 number 29026
- South Africa Government Gazette dated 2006-09-21 number 29245
- South Africa Government Gazette dated 2006-09-21 number 29246
- South Africa Government Gazette dated 2006-12-15 number 29477
- South Africa Government Gazette dated 2007-08-28 number 30225
- South Africa Government Gazette dated 2007-12-07 number 30553
- South Africa Government Gazette dated 2008-11-05 number 31579
- South Africa Government Gazette dated 2008-12-19 number 31715
- South Africa Government Gazette dated 2009-02-13 number 31903
- South Africa Government Gazette dated 2009-04-01 number 32087
- South Africa Government Gazette dated 2009-05-15 number 32229
- South Africa Government Gazette dated 2009-08-17 number 32498
- South Africa Government Gazette dated 2010-01-14 number 32869
- South Africa Government Gazette dated 2010-03-15 number 33028
- South Africa Government Gazette dated 2010-10-22 number 2653
- South Africa Government Gazette dated 2010-11-02 number 33726
- South Africa Government Gazette dated 2010-11-02 number 33727
- South Africa Government Gazette dated 2011-05-11 number 34281
- South Africa Government Gazette dated 2011-06-03 number 34348
- South Africa Government Gazette dated 2011-06-29 number 34405
- South Africa Government Gazette dated 2011-07-25 number 34484
- South Africa Government Gazette dated 2012-01-20 number 2710
- South Africa Government Gazette dated 2012-08-15 number 35597
- South Africa Government Gazette dated 2012-08-29 number 35637
- South Africa Government Gazette dated 2012-09-05 number 35660
- South Africa Government Gazette dated 2012-11-16 number 35876
- South Africa Government Gazette dated 2012-12-11 number 35987
- South Africa Government Gazette dated 2013-02-01 number 36122
- South Africa Government Gazette dated 2013-05-29 number 36504
- South Africa Government Gazette dated 2013-05-31 number 36494
- South Africa Government Gazette dated 2013-07-19 number 2783
- South Africa Government Gazette dated 2013-08-02 number 36720
- South Africa Government Gazette dated 2013-09-26 number 36878
- South Africa Government Gazette dated 2013-11-06 number 37005
- South Africa Government Gazette dated 2013-11-26 number 37067
- South Africa Government Gazette dated 2013-12-12 number 37158
- South Africa Government Gazette dated 2014-11-14 number 38204
- South Africa Government Gazette dated 2015-01-20 number 38406
- South Africa Government Gazette dated 2015-03-31 number 38661
- South Africa Government Gazette dated 2015-06-25 number 38911
- South Africa Government Gazette dated 2015-08-07 number 39074 part 1
- South Africa Government Gazette dated 2015-08-20 number 39118
- South Africa Government Gazette dated 2015-11-06 number 39379
- South Africa Government Gazette dated 2015-11-13 number 39407
- South Africa Government Gazette dated 2016-01-08 number 39588
- South Africa Government Gazette dated 2016-01-21 number 39609
- South Africa Government Gazette dated 2016-02-04 number 39663
- South Africa Government Gazette dated 2016-03-17 number 39818
- South Africa Government Gazette dated 2016-05-11 number 39981
- South Africa Government Gazette dated 2016-05-20 number 40001
- South Africa Government Gazette dated 2017-01-19 number 40563
- South Africa Government Gazette dated 2017-02-09 number 40606
- South Africa Government Gazette dated 2017-06-23 number 40930 part 1
- South Africa Government Gazette dated 2017-08-02 number 41017
- South Africa Government Gazette dated 2017-08-22 number 41060 part 1
- South Africa Government Gazette dated 2017-11-03 number 41224 part 1
- South Africa Government Gazette dated 2017-11-24 number 41274
- South Africa Government Gazette dated 2017-12-01 number 41287 part 1
- South Africa Government Gazette dated 2017-12-15 number 41321 part 1
- South Africa Government Gazette dated 2017-12-15 number 41329
- South Africa Government Gazette dated 2017-12-18 number 41342 part 1
- South Africa Government Gazette dated 2018-01-12 number 41377
- South Africa Government Gazette dated 2018-01-26 number 41401
- South Africa Government Gazette dated 2018-03-29 number 41549
- South Africa Government Gazette dated 2018-06-08 number 41685
- South Africa Government Gazette dated 2019-08-19 number 42649
- South Africa Government Gazette dated 2019-08-19 number 42653
- South Africa Government Gazette dated 2019-10-04 number 42739
- South Africa Government Gazette dated 2020-03-20 number 43110 part 1
- South Africa Government Gazette dated 2020-06-19 number 43447
- South Africa Government Gazette dated 2021-01-20 number 44083
- South Africa Government Gazette dated 2021-04-16 number 44459
- South Africa Government Gazette dated 2021-10-12 number 45306
- South Africa Government Gazette dated 2022-01-19 number 45787
- South Africa Government Gazette dated 2022-06-10 number 46543 part 1
- South Africa Government Gazette dated 2022-09-23 number 46959 part 1
- South Africa Government Gazette dated 2022-11-29 number 47596
- South Africa Government Gazette dated 2023-12-22 number 49894
- Western Cape Provincial Gazette dated 2019-06-28 number 8116
- Western Cape Provincial Gazette dated 2020-06-10 number 8246
Guidance Note 1
Judgment 414
- AAA Investments (Proprietary) Limited v Micro Finance Regulatory Council and Another [2006] ZACC 9 (28 July 2006)
- ABSA Bank Limited v Farber (2022/8449) [2024] ZAGPJHC 132 (8 February 2024)
- ARB Electrical Wholesalers (Pty) Ltd v De Jager Electrical & Maintenance CC and Another (2022/20849) [2023] ZAGPJHC 719 (14 June 2023)
- Abner Engineering and Supplies (Pty) Ltd v Thaver (41714/19) [2022] ZAGPJHC 279 (11 May 2022)
- Absa Bank Limited (Pty) Ltd v Mudziviti (2022/00750) [2023] ZAGPJHC 287 (2 March 2023)
- Absa Bank Limited v Classic Accessories CC and Others (2022/004177) [2023] ZAGPJHC 492 (16 May 2023)
- Absa Bank Limited v Eternal City Trading 612 CC and Another (2022/006207) [2024] ZAGPJHC 34 (17 January 2024)
- Absa Bank Limited v Maritz (55809/17) [2018] ZAGPPHC 433 (16 January 2018)
- Absa Bank Limited v Mavundza (2022-050518) [2024] ZAGPJHC 90 (30 January 2024)
- Absa Bank Limited v Morolong Foods (Pty) Ltd and Another (4644/2022) [2023] ZAGPJHC 723 (19 July 2023)
- Absa Bank Limited v Mosima and Another (15820/2022) [2023] ZAGPPHC 907 (17 August 2023)
- Absa Bank Limited v Objective Photo (Pty) Ltd and Another (035251/2022) [2024] ZAGPPHC 33 (24 January 2024)
- Absa Bank Limited v Sable Hills Waterfront Estates CC N.N.O. and Others ; Absa Bank Limited v On Air Investment Holdings (Pty) Ltd and Others (15210/20; 41768/20) [2022] ZAGPJHC 354 (15 March 2022)
- Absa Bank Limited v Saunderson (2395/2022) [2024] ZANCHC 3 (19 January 2024)
- Absa Bank Limited v Sawyer (2018/17056) [2018] ZAGPJHC 999 (14 December 2018)
- Absa Bank Limited v Shaw and Another (38990/21) [2022] ZAGPJHC 428 (28 June 2022)
- Absa Bank Ltd v Bekker (51608/2020) [2023] ZAGPPHC 250 (4 May 2023)
- Absa Bank Ltd v Gontsana and Another (27485/2013) [2023] ZAGPJHC 90 (7 February 2023)
- Absa Bank Ltd v Janse van Rensburg and Another; Absa Bank Ltd v Maree and Another (16071/2012; 16815/2012) [2012] ZAWCHC 238 (24 December 2012)
- Absa Bank Ltd v Le Roux and Others (5842/2013) [2013] ZAWCHC 219 (7 October 2013)
- Absa Bank Ltd v Mkhize and Another, Absa Bank Ltd v Chetty, Absa Bank Ltd v Mlipha (716/2012) [2013] ZASCA 139 (30 September 2013)
- Absa Bank Ltd v Murray and Another (CA 338/2017) [2018] ZAECGHC 75 (28 August 2018)
- Absa Bank Ltd v Van Der Walt (8817/2022) [2023] ZAGPJHC 680 (9 June 2023)
- Absa Bank Ltd v Van der Colff (62780/2021) [2023] ZAGPPHC 655 (12 June 2023)
- Absa Bank and Another v Naidoo (2570/2021P) [2022] ZAKZPHC 65 (15 November 2022)
- Absa Bank v Farrar (94759/2015) [2023] ZAGPPHC 1022 (30 August 2023)
- Absa Bank v Van Zyl (Reasons) (M644/2022) [2023] ZANWHC 629 (29 August 2023)
- Absa Home Loan Guarantee Co (RF) and Another v Moodley and Another (33128/2021) [2023] ZAGPJHC 831 (26 July 2023)
- Absa Home Loans Guarantee Company (RF) (Pty) Ltd and Another v ERF 1404 Dainfern CC and Others (41403/19) [2022] ZAGPJHC 878 (28 July 2022)
- Absa Home Loans Guarantee Company (RF) (Pty) Ltd and Another v ERF 1404 Dainfern CC and Others (41403/2019) [2022] ZAGPJHC 467 (28 July 2022)
- Absa Technology Finance Solutions (Pty) Ltd v Michael’s Bid a House CC and Another (212/2012) [2013] ZASCA 10 (15 March 2013)
- Absa v Moore (20719/2014) [2015] ZASCA 171 (26 November 2015)
- African Dawn Property Finance 2 (Pty) Ltd v Dreams Travel and Tours CC and Others (234/2010) [2011] ZASCA 45 (30 March 2011)
- Allied Steelrode (Pty) Ltd v Dreyer and Another (1120/2022) [2023] ZASCA 181 (21 December 2023)
- Amardien and Others v Registrar of Deeds and Others (Women's Legal Trust as Amicus Curiae) [2018] ZACC 47 (28 November 2018)
- Andtash (Pty) Limited v Olivier and Another (2022/010613) [2023] ZAGPJHC 905 (17 May 2023)
- Asmal v Essa (38/2013) [2014] ZASCA 62 (14 May 2014)
- Assetline South Africa (Pty) Ltd v KM Architects (Pty) Ltd and Others (17249/2022) [2023] ZAGPPHC 1195 (3 November 2023)
- Assetline South Africa (Pty) Ltd v MLM and Associates Inc and Another (7960/2021) [2023] ZAGPJHC 778 (4 July 2023)
- Assetline South Africa (Pty) Ltd v MLM and Associates Inc and Another (7960/2021) [2023] ZAGPJHC 938 (18 August 2023)
- Assetline South Africa (Pty) Ltd v Manhattan Delux Properties (Pty) Ltd and Others (30996/19) [2020] ZAGPJHC 2 (10 May 2020)
- BMW Financial Services (Pty) Ltd v Donkin (15548/2008) [2009] ZAKZDHC 17 (4 June 2009)
- BMW Financial Services (SA) (Pty) Ltd v Mudaly (16975/2009) [2010] ZAKZDHC 35 (20 August 2010)
- BMW Financial Services (SA) Pty Limited v Heydenreich (6836/2022) [2023] ZAGPJHC 1348 (16 March 2023)
- Barko Financial Services (Pty) Limited v National Credit Regulator and Another (415/2013) [2014] ZASCA 114 (18 September 2014)
- Barnard NO and Another v National Consumer Tribunal and Another (940/2021) [2023] ZASCA 121 (18 September 2023)
- Barnes v Mangaung Metropolitan Municipality and Another (996 of 2020) [2022] ZASCA 77 (30 May 2022)
- Bastian Financial Services (Pty) Ltd v General Hendrik Schoeman Primary School (207/2007) [2008] ZASCA 70 (30 May 2008)
- Bayport Securitisation Limited and Another v University of Stellenbosch Law Clinic and Others (507/2020) [2021] ZASCA 156 (4 November 2021)
- Beneficio Development (Pty) Ltd v Tarentaal Centre Investment (Pty) Ltd and Another (22258/20) [2023] ZAGPPHC 539 (23 May 2023)
- Bester NO and Others v Coral Lagoon Investments 232 (Pty) Ltd (16168/2012) [2013] ZAWCHC 240 (20 February 2013)
- Bester v Naushaad's Car Sales Auto CC t/a Auto Belgravia (NCT/227713/2022/75(1)(b)) [2022] ZANCT 34 (18 July 2022)
- Birch v Firstrand Bank, Pike NO and Others v Firstrand Bank, Firstrand Bank v Pike NO and Others (1050/2011; 1415/2012; 3774/2015) [2016] ZAECGHC 54 (3 June 2016)
- Blacher v Josephson (A15/22) [2023] ZAWCHC 17 (14 February 2023)
- Blignaut and Another v Firstrand Bank Limited (23779 of 2019) [2022] ZAGPPHC 727 (31 October 2022)
- Blue Chip 2 (Pty) Ltd t/a Blue Chip 49 v Ryneveldt and Others (499/2015) [2016] ZASCA 98 (3 June 2016)
- Bornman v National Credit Regulator (798/2012) [2013] ZASCA 130 (26 September 2013)
- Botha v Botha (4457/2016) [2016] ZAFSHC 194 (17 November 2016)
- Botha v Mibit (Pty) Ltd and Another (2238/2021) [2022] ZAECPEHC 8 (19 May 2022)
- Bridge Taxi Finance GJ (Pty) Ltd v Tswabole (38327/19) [2020] ZAGPJHC 11 (28 August 2020)
- Bridge Taxi Finance No.5 (Pty) Ltd v Mongala (Reasons) (973/2022) [2022] ZANCHC 74 (6 September 2022)
- Buckle Packaging (Pty) Ltd v National Consumer Commission (NCT/227511/2022/101(1)) [2023] ZANCT 9 (23 January 2023)
- Buechel v South African Securitisation Programme (RF) LImited and Others ; In re: South African Securitisation Programme (RF) Limited and Others v Buechel (3450/2022) [2023] ZAWCHC 194 (5 December 2023)
- Business Partners Limited v Securo Traders (Pty) Ltd and Others (31039/19) [2020] ZAGPJHC 156 (1 December 2020)
- Capitec Bank Ltd v Culverwell ; Capitec Bank Ltd v Culverwell and Another (2022-059460; 2022-059522) [2024] ZAGPJHC 1626 (27 March 2024)
- Carospan (Ltd) t/a Nashua Bloemfontein v Manyoni & GIJA Investment CC (4213/2021) [2022] ZAFSHC 76 (24 June 2022)
- Caterpillar Financial Services South Africa (Pty)Ltd v Zero Azania (Pty) Ltd (57252/2021) [2023] ZAGPJHC 1122 (8 September 2023)
- Changing Tides 17 (Pty) Ltd NO v Ramabe (37524/2020) [2023] ZAGPJHC 504 (18 May 2023)
- Chevron SA (Pty) Ltd v Wilson t/a Wilson's Transport and Others [2015] ZACC 15 (5 June 2015)
- Chidi and Another v Absa Bank and Another (85460/16) [2018] ZAGPPHC 523 (12 January 2018)
- Ciba Packaging (Pty) Ltd t/a Cibapac v Timelink Cargo (Pty) Ltd (1156/2022) [2023] ZASCA 161 (28 November 2023)
- City of Ekurhuleni Metropolitan Municipality v Unknown Individuals Trespassing and or Attempting to Invade and or Settle on the Immoveable Property Described as Riet-Fontein 153 and Others (2019/25865) [2023] ZAGPJHC 206 (22 February 2023)
- Cochrane Steel Products (Pty) Ltd v Tip Con (Pty) Ltd and Another (21/56220) [2024] ZAGPJHC 99 (31 January 2024)
- Coetzee and Another v Nedbank Ltd (2793/2010) [2010] ZAKZDHC 46 (12 October 2010)
- Collett v Firstrand Bank Ltd and Another (766/2010) [2011] ZASCA 78 (27 May 2011)
- Commissioner for South African Revenue Service v Capitec Bank Limited (94 of 2021) [2022] ZASCA 97 (21 June 2022)
- Cronje and Others v Firstrand Bank Ltd t/a First National Bank ; In re: Firstrand Bank Ltd t/a First National Bank v Cronje NO and Others ; Steyn NO and Others v Firstrand Bank Ltd t/a First National Bank ; In re: Firstrand Bank Ltd t/a First National Bank v Steyn NO and Others (2778/2021; 3955/2019) [2023] ZAFSHC 214 (7 November 2023)
- D H and Another v L H (A73/2023) [2024] ZAFSHC 80 (26 March 2024)
- Dcysive Finance (Pty) Ltd v Led Capital Investments (Pty) Ltd and Others (31354/2022) [2024] ZAGPPHC 281 (25 March 2024)
- De Bruin v Firstrand Bank Limited t/a Wesbank (42493/2015) [2017] ZAGPJHC 132 (5 May 2017)
- De Klerk v Griekwaland Wes Korporatief Bpk [2014] ZACC 20 (19 June 2014)
- De Lange v De Lange (2021/62520) [2023] ZAGPPHC 758 (12 July 2023)
- De Vasconcelos and Others v Business Partners Ltd (637/2018) [2019] ZASCA 80 (31 May 2019)
- Deighton v Financial Sector Conduct Authority and Others (15703/21) [2022] ZAGPPHC 785 (1 August 2022)
- Desert Fruit (Pty) Ltd v Smith (20947/2018) [2023] ZAWCHC 200 (13 December 2023)
- Desert Star Trading 145 (Pty) Ltd and Another v No 11 Flamboyant Edleen CC and Another (98/2010) [2010] ZASCA 148 (29 November 2010)
- Devland Cash And Carry (Pty) Ltd v G4S Cash Solutions SA (Pty) Ltd (2020/16910) [2023] ZAGPJHC 773 (3 July 2023)
- Dez Civil Construction (Pty) Ltd v CS Pule Contractors and Others (50224/2021) [2023] ZAGPPHC 551 (23 May 2023)
- Doola v First Rand Bank Ltd (2020/13723) [2022] ZAGPJHC 813 (27 October 2022)
- Doola v First Rand Bank Ltd trading inter alia as RMB Private Bank and as FNB (2020/13723) [2023] ZAGPJHC 1471 (7 December 2023)
- Dreyer NO and Another v Standard Bank Limited (M15/2019) [2024] ZANWHC 17 (7 February 2024)
- Du Bruyn NO and Others v Karsten (929 of 2017) [2018] ZASCA 143 (28 September 2018)
- Dynamic Sisters Trading (Pty) Limited and Another v Nedbank Ltd (081473/2023) [2023] ZAGPPHC 952 (21 August 2023)
- EDCON (Pty) Ltd v Commission for Conciliation Mediation and Arbitration N.O. and Others; In Re: Thulare and Others v EDCON (Pty) Ltd (J 271/2015; JR 698/2013) [2015] ZALCJHB 6 (13 November 2015)
- Edwards v Firstrand Bank Limited t/a Wesbank (20734 of 2014) [2016] ZASCA 144 (30 September 2016)
- Eksteen v Nedbank (Pty) Ltd (NCT/262204/2023/115(1)) [2023] ZANCT 16 (18 May 2023)
- Eksteen v Van der Merwe (2710/2018) [2018] ZAFSHC 131 (2 August 2018)
- Engen Petroleum Ltd v Scheepers and Others (2020/708) [2023] ZAGPJHC 264 (3 April 2023)
- Erf 23 Magaliesig CC v Firstrand Bank Limited and Another (39085/16) [2022] ZAGPPHC 880 (29 April 2022)
- Ex Parte: Arntzen (2333/2012) [2012] ZAKZPHC 66 (28 September 2012)
- Executive Officer: Financial Services Board v Dynamic Wealth Ltd and Others (888/2010) [2011] ZASCA 193 (15 November 2011)
- FFS Finance South Africa (Pty) Ltd t/a Absa Vehicle & Asset Finance v Groenewald (2167/22) [2023] ZANCHC 79 (27 October 2023)
- FFS Finance South Africa (Pty) Ltd v Kruger (46506 of 2021) [2022] ZAGPJHC 632 (9 September 2022)
- FPM Business Solutions (Pty) Ltd t/a FPM Security Services v Masakhane Mining Supply and Construction t/a Masakhane Megawatt Services ; In re: Masakhane Mining Supply and Construction t/a Masakhane Megawatt Services v FPM Business Solutions (Pty) Ltd t/a FPM Security Services (301/22) [2024] ZANWHC 42 (20 February 2024)
- FPM Business Solutions (Pty) Ltd t/a FPM Security Services v Masakhane Mining Supply and Construction t/a Masakhane Megawatt Services ; In re: Masakhane Mining Supply and Construction t/a Masakhane Megwatt Services v FPM Business Solutions (Pty) Ltd t/a FPM Security Services (301/22) [2024] ZANWHC 43 (20 February 2024)
- Fasquip Trading CC t/a Woodlands Decor v Singh (NCT/221542/2022/(148)(1)) [2022] ZANCT 51 (8 June 2022)
- Fasser v Standard Bank of South Africa Ltd (2020/31972) [2024] ZAGPJHC 135 (2 February 2024)
- Fern Finance (Pty) Ltd and Another v Financial Services Tribunal and Others (13261/2021) [2022] ZAGPPHC 558 (13 October 2022)
- First Group Investment Holdings (Pty) Ltd v National Credit Regulator and Another (A32/2023) [2023] ZAGPPHC 1088 (19 September 2023)
- First National Bank v Clear Creek Trading 12 (Pty) Ltd and Another (1054/2013) [2015] ZASCA 6 (9 March 2015)
- First National Bank v Mucable (18251/2021) [2022] ZAGPJHC 793 (2 September 2022)
- First Rand Bank Ltd t/a Wesbank v Pillay (11978/2010) [2011] ZAKZDHC 64 (8 December 2011)
- First Rand Bank Ltd v Janse Van Rensburg (3846/2011; 3847/2011) [2012] ZAECPEHC 1 (17 January 2012)
- First Rand Bank Ltd v Scheepers and Another (30927/2020) [2022] ZAGPJHC 782 (14 October 2022)
- First Rand Bank v Du Toit N.O and Another (1162/2023) [2023] ZAFSHC 236 (18 December 2023)
- First Rand Limited v Roux NO and Others (32017/17) [2018] ZAGPPHC 129 (9 February 2018)
- First Rand Limited v Roux NO and Others (32017/17) [2018] ZAGPPHC 584 (9 February 2018)
- FirstRand Bank Limited t/a Wesbank v Davel (1229/2018) [2019] ZASCA 168 (29 November 2019)
- FirstRand Bank Limited v Leshaba and Others (2021/40814) [2023] ZAGPJHC 534 (22 May 2023)
- FirstRand Bank Ltd v McLachlan and Others (394/2019) [2020] ZASCA 31 (1 April 2020)
- FirstRand Bank v Khumalo and Another (41307/19) [2021] ZAGPJHC 413 (22 October 2021)
- FirstRand Banl Ltd v Naidoo and Another (2020/25892) [2022] ZAGPJHC 737 (19 September 2022)
- Firstrand Auto Receivables (Rf) Ltd v Zungunde (19875/2021) [2023] ZAGPPHC 48 (27 January 2023)
- Firstrand Bank LTD t/a Wesbank v Molamuagae (24558/16) [2018] ZAGPPHC 116 (26 February 2018)
- Firstrand Bank Limited Trading Inter Alia as First National Bank v JDI Research (Pty) Ltd and Others (2022/9043) [2023] ZAGPJHC 573 (21 April 2023)
- Firstrand Bank Limited Trading as Wesbank v Madinga Architectural Services (Pty) Ltd and Another (63958/2019) [2022] ZAGPPHC 1126 (14 September 2022)
- Firstrand Bank Limited t/a First National Bank v Makaleng (34 of 2016) [2016] ZASCA 169 (24 November 2016)
- Firstrand Bank Limited t/a First National Bank v Mica Foods CC and Another (1465/2022P) [2023] ZAKZPHC 90 (23 August 2023)
- Firstrand Bank Limited t/a Wesbank and Suzuki Mobility Finance v Farrar (19950/2022) [2023] ZAGPJHC 858 (25 August 2023)
- Firstrand Bank Limited v Briedenhann (3690/2021) [2022] ZAECPEHC 4 (5 May 2022)
- Firstrand Bank Limited v Cornelius (82666/17) [2018] ZAGPPHC 671 (20 March 2018)
- Firstrand Bank Limited v Cornnelius (82666/17) [2018] ZAGPPHC 154 (20 March 2018)
- Firstrand Bank Limited v Kona and Another (20003/2014) [2015] ZASCA 11 (13 March 2015)
- Firstrand Bank Limited v Lenyanyabedi (57115/19) [2022] ZAGPPHC 703 (18 May 2022)
- Firstrand Bank Limited v Nkata (213/2014) [2015] ZASCA 44 (26 March 2015)
- Firstrand Bank Limited v Xaba and Another (28722/16) [2018] ZAGPPHC 428 (10 May 2018)
- Firstrand Bank Ltd t/a Honda Finance v Owens (16/2012) [2012] ZASCA 167 (23 November 2012)
- Firstrand Bank Ltd v Badenhorst N.N.O. and Others; In Re: Firstrand Bank Ltd v Badenhorst N.N.O. and Others (2022/5936) [2023] ZAGPJHC 799 (10 July 2023)
- Firstrand Bank Ltd v Butler and Others (2022/004866) [2023] ZAGPJHC 911 (14 August 2023)
- Firstrand Bank Ltd v Komane and Another (2022-018954) [2024] ZAGPJHC 148 (29 January 2024)
- Firstrand Bank Ltd v Nyoni ; Firstrand Bank Ltd v Alora Pallets (Pty) Ltd (2023-022639) [2024] ZAGPJHC 193 (26 February 2024)
- Firstrand Bank Ltd v Seema (78547/2018) [2024] ZAGPPHC 391 (23 April 2024)
- Firstrand Bank Lts t/a Wesbank v Molamuagae (24558/16) [2018] ZAGPPHC 643 (26 February 2018)
- Frans Jacobus Kruger h/a Kruger Attorneys v Property Lawyer Services (Edms) Bpk (420/2010) [2011] ZASCA 80 (27 Mei 2011)
- Garb v Absa Bank Limited (NCT/23189/2021/141(1)(b)) [2022] ZANCT 19 (6 October 2022)
- Goldstar Finance (Pty) Ltd and Others v Capitec Bank (Pty) Ltd and Another (16589/23) [2023] ZAWCHC 199 (31 December 2023)
- Gounder v Top Spec Investments (Pty) Ltd (165/2007) [2008] ZASCA 52 (8 May 2008)
- Govender v Alexanderson (NCT/193156/2021/141(1)(b)) [2022] ZANCT 13 (4 November 2022)
- Grancy Property Limited and Another v Seena Marena Investment (Pty) Ltd and Others (244/2013) [2014] ZASCA 50 (1 April 2014)
- Griekwaland Wes Korporatief Beperk v Standard Bank of South Africa Limited (396/2019) [2020] ZASCA 10 (19 March 2020)
- Hassall v Firstrand Auto Receivables (Rf) Limited (76715/2019) [2023] ZAGPPHC 985 (30 August 2023)
- Hattingh and Others v Juta [2013] ZACC 5 (14 March 2013)
- Health Professional Council of South Africa v Makolomakwe and Another (A324/2021) [2023] ZAGPPHC 214 (11 April 2023)
- Herbert v Woolworths Financial Services (Pty) Ltd (NCT/225291/2022/141(1)(b)) [2022] ZANCT 26 (12 September 2022)
- Heydenrych v Forsyth (A 5015/19) [2022] ZAGPJHC 919 (31 May 2022)
- Heydenrych v Forsyth (A 5015/2019) [2022] ZAGPJHC 363 (31 May 2022)
- Heynike v Van der Westhuizen (35598/21) [2022] ZAGPJHC 732 (29 September 2022)
- Hlatshwayo N.O. and Another v Netbank Ltd and Another (48595/2007) [2024] ZAGPPHC 112 (12 February 2024)
- Hlela and Others v SA Taxi Securitisation (Pty) Ltd and Others (515/2013) [2014] ZASCA 112 (17 September 2014)
- Honey Silk Trading and Investment 1027 CC v 360 ABL (Pty) Ltd (A 3058/21) [2022] ZAGPJHC 420 (10 March 2022)
- Human v Haynes and Another (61708/11) [2019] ZAGPPHC 508 (31 January 2019)
- IPH Finance (Pty) v Masilela (19877/2021) [2023] ZAWCHC 135 (13 June 2023)
- IPH Finance Proprietary Limited v Agrizest Proprietary Limited (21771/2021) [2023] ZAWCHC 22 (28 February 2023)
- Imobrite (Pty) Ltd v DTL Boerdery CC (1007 of 2020) [2022] ZASCA 67 (13 May 2022)
- Intello Capital CC v Sigge Managed Solutions (Pty) Ltd (5974/2022) [2023] ZAGPJHC 164 (6 March 2023)
- Investec Bank Limited t/a Investec Private Bank v Ferreira (35667/17) [2018] ZAGPPHC 434 (23 February 2018)
- Investec Bank Limited t/a Investec Private Bank v Ramurunzi (12554/08) [2013] ZAWCHC 238 (22 March 2013)
- Investec Bank Limited t/a Investec Private Bank v Ramurunzi (445/2013) [2014] ZASCA 67 (19 May 2014)
- Investec Bank Ltd v Zouzoua (21/44429) [2023] ZAGPJHC 125 (7 February 2023)
- Investec Bank Ltd v Zouzoua (44429/2021) [2024] ZAGPJHC 1649 (4 April 2024)
- Investec Bank v Maina and Another (8847/2021) [2023] ZAGPPHC 57 (1 February 2023)
- Isuzu Finance v Silvex 399 CC and Another (EL2209/2022) [2024] ZAECELLC 9 (19 March 2024)
- J D G Trading (Pty) Ltd v Black Sash Trust and Others; In Re: National Credit Regulator v J D G Trading (Pty) Ltd and Others (A3086/2019) [2023] ZAGPJHC 1011 (8 September 2023)
- JMV Textiles (Pty) Ltd v De Chalain Spareinvest 14 CC and Others (15136/2009) [2010] ZAKZDHC 34 (20 August 2010)
- Jagesur and Another v Nedbank Ltd and Another (45470/2018) [2022] ZAGPJHC 657 (19 September 2022)
- Janse van Rensburg v Absa Bank Limited and Others (57429/2018) [2022] ZAGPPHC 980 (31 October 2022)
- Jeewa and Another v Strydom NO and Others; In re: Strydom NO and Others v Jeewa ans Another (55407/15) [2018] ZAGPPHC 512 (25 January 2018)
- Jili v Firstrand Bank Ltd t/a Wesbank (763/2013) [2014] ZASCA 183 (26 November 2014)
- Jiyana and Another v Absa Bank Limited and Others (1424/2018) [2020] ZASCA 12 (19 March 2020)
- Kaknis v Absa Bank Limited ; Kaknis v Man Financial Services SA (Pty) Ltd (8 of 2016) [2016] ZASCA 206 (15 December 2016)
- Kanu v Absa Bank Ltd ; In re: Absa Bank Ltd v Definite Value Fashion Accessories CC and Another (31885/2022) [2023] ZAGPPHC 1234 (6 November 2023)
- Kekana v Changing Tides 17 (Pty) Ltd NO (77025/09) [2018] ZAGPPHC 639 (23 February 2018)
- Khumalo and Another v Nedbank (37984/17) [2017] ZAGPPHC 59 (14 December 2017)
- King Sabata Dalindyebo Municipality v Landmark Mthatha (Pty) Ltd and Another (136/2012) [2013] ZASCA 91 (31 May 2013)
- Kloppers v MEC for Health Gauteng Province and Another (756/14) [2018] ZAGPPHC 664 (7 March 2018)
- Kubyana v Standard Bank of South Africa Ltd [2014] ZACC 1 (20 February 2014)
- Kwalulua v Potpale Investments (Pty) Ltd (P 6454/2019) [2022] ZAKZPHC 24 (2 March 2022)
- Landrover Financial Services v Phiri (13690/21) [2022] ZAGPJHC 916 (5 May 2022)
- Lepadi NO v Steinmuller; In re: Firstrand Bank Limited v Kriel (19617/18) [2022] ZAGPPHC 870 (23 May 2022)
- Lewis Stores (Pty) Ltd v Summit Financial Partners (Pty) Ltd and Others (314/2020) [2021] ZASCA 91 (25 June 2021)
- Loan Company (Pty) Ltd v National Credit Regulator and Another (A235/2021) [2022] ZAGPPHC 1184 (11 November 2022)
- Lorraine v Passenger Rail Agency of South Africa (A 5046/2021) [2022] ZAGPJHC 371 (8 June 2022)
- Mabaso and Another v Nedbank Ltd (010362/2024) [2024] ZAGPPHC 123 (7 February 2024)
- Madihlaba v Wesbank; In Re: Wesbank v Madihlaba (21195/2021) [2023] ZAGPPHC 133 (7 March 2023)
- Madzibadela v Standard Bank of South Africa Limited and Another; In Re: Standard Bank of South Africa Limited v Madzibadela and Another (1878/2022; 1879/2022) [2023] ZAFSHC 36 (22 February 2023)
- Magwentshu v Edwards (NCT/240891/2022/S141(1)(b)) [2023] ZANCT 18 (22 June 2023)
- Mahlakwana v Potpale Investments (RF) (Pty) Ltd; In re: Potpale Investments (RF) (Pty) Ltd v Mahlakwana (21026/2019) [2023] ZAGPJHC 1494 (4 December 2023)
- Mahomed-Padayachee v Mahomed and Another (2021/40442) [2022] ZAGPJHC 1167 (1 December 2022)
- Mahori and Another v Firstrand Bank Ltd and Others (Leave to Appeal) (019229/2022) [2024] ZAGPPHC 241 (8 March 2024)
- Majola v Nitro Securitisation 1 (Pty) Ltd (567/2010) [2011] ZASCA 180 (30 September 2011)
- Makhoba v Standard Bank of South Africa (845/2022) [2023] ZAFSHC 213 (9 November 2023)
- Makhubele and Another v University of the Witwatersrand and Others (7895/2022) [2023] ZAGPJHC 609 (31 May 2023)
- Malachi v Cape Dance Academy Int (Pty) Ltd and Others (14830/2009) [2010] ZAWCHC 1 (7 January 2010)
- Malesa v DMC Debt Management, a division of OPCO 365 (Pty) Ltd (NCT/226906/2022/141(1)(b)) [2023] ZANCT 8 (12 January 2023)
- Mallett v Firstrand Bank Ltd t/a First National Bank (A128/2022) [2023] ZAFSHC 103 (7 June 2023)
- Mangolele v Absa Bank Limited (228/18) [2022] ZAGPPHC 682 (20 May 2022)
- Mathebula v FirstRand Auto Receievables (RF) Ltd (22/12536) [2022] ZAGPJHC 801 (18 October 2022)
- Mathebula v Firstrand Auto Receivables (RF) Ltd (12536 of 2022) [2020] ZAGPJHC 516 (18 October 2020)
- Mbalati v CSG Security Projects (Pty) Ltd ; In Re: CSG Security Projects (Pty) Ltd v Mbalati (2022 - 12595) [2024] ZAGPJHC 1506 (29 February 2024)
- Mdluli v National Consumer Tribunal and Others (A 195/19) [2022] ZAGPPHC 686 (11 May 2022)
- Merchant Capital Advisory Services (Pty) Ltd v Cerimaj and Another(Revised) (2020/41514) [2023] ZAGPJHC 1369 (17 November 2023)
- Merchant Capital Advisory Services (Pty) Ltd v Cerimaj and Another (2020/41514) [2023] ZAGPJHC 1368 (16 November 2023)
- Merchant Commercial Finance 1 (Pty) Ltd t/a Merchant Factors v Achiar N.N.O. and Others (11610/2022) [2023] ZAWCHC 70 (25 May 2023)
- Meyers Hire (Pty) Limited t/a Meyers Hire v Filzo Enterprises (Pty) Limited and Others (621/2023) [2023] ZAECGHC 82 (12 September 2023)
- Mhlari NO and Others v Nedbank Limited (251/2023) [2024] ZASCA 39 (4 April 2024)
- Mhlokonya v Company Unique Finance (Pty) Ltd (CA 4/2012) [2012] ZAECGHC 85 (18 October 2012)
- Michael and Another v First Rand Bank Limited (24986/10) [2021] ZAGPJHC 482 (14 July 2021)
- Minister of Police v Khedama [2024] ZAKZPHC 21 (18 March 2024)
- Mncube v Toyota Financial Services South Africa Ltd (49008/2021) [2022] ZAGPPHC 1018 (16 November 2022)
- Mncube v Wesbank A Division Of Firstrand Bank Limited; Wesbank A Division Of Firstrand Bank Limited v Mncube (2022/9750) [2023] ZAGPJHC 895 (10 August 2023)
- Mostert and Others v Firstrand Bank t/a RMB Private Bank (198 of 2017) [2018] ZASCA 54 (11 April 2018)
- Motloung v Firstrand Bank Ltd (66600/2016) [2024] ZAGPPHC 16 (8 January 2024)
- Motus Corporation (Pty) Ltd and Another v Wentzel (1272/2019) [2021] ZASCA 40 (13 April 2021)
- Muchenje and Another v Investec Bank Ltd (17072/2022) [2023] ZAGPPHC 1107 (28 September 2023)
- Muchenje and Another v Investec Bank Ltd (17072/22) [2023] ZAGPPHC 877 (4 August 2023)
- Munien v BMW Finanacial Services (SA) (Pty) Ltd and Another (16103/2008) [2009] ZAKZDHC 6 (3 April 2009)
- Murwira v Chidzewere (A3001/2023) [2024] ZAGPJHC 102 (23 January 2024)
- Muvhali v Lukhele and Others (34140/2021) [2022] ZAGPJHC 368 (13 June 2022)
- Muvirimi and Another v Standard Bank of South Africa Limited and Others, In Re: Standard Bank South Africa Limited v Muvirimi and Another (40615/15) [2018] ZAGPPHC 524 (19 April 2018)
- My Vote Counts NPC v Speaker of the National Assembly and Others [2015] ZACC 31 (30 September 2015)
- NPGS Protection and Security Services CC and Another v FirstRand Bank Ltd (314/2018) [2019] ZASCA 94 (6 June 2019)
- NT Makhubele Enterprises CC and Others v Business Partners Limited and Another (48567/14) [2017] ZAGPPHC 109 (2 June 2017)
- Nadan and Another v Madupha' Business Enterprise ; In re: Nadan and Another v Madupha' Business Enterprise (NCT/239043/2022/75(1)(b)) [2022] ZANCT 17 (28 October 2022)
- Naidoo v Absa Bank Ltd (391/2009) [2010] ZASCA 72 (27 May 2010)
- Naidoo v Standard Bank of South Africa (20595/2014) [2016] ZASCA 9 (9 March 2016)
- Nathane v Khaotso (4643/2023) [2024] ZAFSHC 86 (4 April 2024)
- National Consumer Commission v H & F Deals on Wheels CC t/a Fairdeal Car Sales and Another (NCT/173447/2020/73(2)(b)) [2022] ZANCT 14 (2 November 2022)
- National Consumer Commission v Shimmykc Trading Enterprise CC t/a Mmirwa Autoworld (NCT/226747/2022/73(2)(b)) [2022] ZANCT 29 (16 August 2022)
- National Consumer Commission v Unicity Trading (Pty) Ltd t/a Cape SUV (NCT/240235/2022/73(2)(b)) [2023] ZANCT 17 (30 May 2023)
- National Consumer Commission v Univision Services Association NPC and Others (618 of 2017) [2018] ZASCA 44 (28 March 2018)
- National Credit Regulator v Berry Hill Trading 32 CC (NCT/223372/2022/140(1)) [2022] ZANCT 53 (6 June 2022)
- National Credit Regulator v Dacqup Finances CC t/a ABC Financial Services – Pinetown and Another (382 of 2021) [2022] ZASCA 104 (24 June 2022)
- National Credit Regulator v Engelbrecht t/a Sizabantu Cash Loans (NCT/243378/2022/140(1)) [2023] ZANCT 7 (1 February 2023)
- National Credit Regulator v Getbucks (Pty) Ltd and Another (140/2020) [2021] ZASCA 28 (26 March 2021)
- National Credit Regulator v HZ Finance (Pty) Ltd (NCT/158481/2020/57(1)) [2022] ZANCT 35 (12 July 2022)
- National Credit Regulator v Ihawu Tebe Funeral Services (Pty) Ltd t/a Ihawu Loans (NCT/146839/2019/140(1)) [2022] ZANCT 56 (28 May 2022)
- National Credit Regulator v Lehaiwas Chashers Pty Ltd (NCT/223356/2022/57(1)) [2022] ZANCT 55 (2 June 2022)
- National Credit Regulator v Lewis Stores (Pty) Ltd and Another (937/18) [2019] ZASCA 190 (13 December 2019)
- National Credit Regulator v Loans at Smart Cash Bizana (Pty) Ltd (NCT/223348/2022/140(1)) [2022] ZANCT 47 (13 June 2022)
- National Credit Regulator v Mathusa Batho Financial Services CC (NCT/212864/2021/57(1)) [2022] ZANCT 28 (7 September 2022)
- National Credit Regulator v National Consumer Tribunal and Another ; National Credit Regulator v National Consumer Tribunal and Another; In re: Volkswagen Financial Services SA (Pty) Ltd v National Consumer Tribunal and Another (A104/2019; A288/2021; A289/2021) [2022] ZAGPPHC 1181 (20 January 2022)
- National Credit Regulator v National Consumer Tribunal and Others (707/2022) [2023] ZASCA 133 (17 October 2023)
- National Credit Regulator v Opperman and Others [2012] ZACC 29 (10 December 2012)
- National Credit Regulator v Pangolin Loans (Pty) Ltd (NCT/213199/2021/57(1)) [2022] ZANCT 63 (24 March 2022)
- National Credit Regulator v Southern African Fraud Prevention Services NPC (560/2018) [2019] ZASCA 92 (3 June 2019)
- National Credit Regulator v Standard Bank of SA Ltd (231/2012) [2012] ZASCA 176 (29 November 2012)
- National Credit Regulator v TitusG Traders (Pty) Ltd (NCT/182923/2021/57(1)) [2022] ZANCT 62 (27 March 2022)
- National Credit Regulator v Tshukudu Holdings (Pty) Ltd NCRCP7915 (NCT/267432/2023/140(1)) [2023] ZANCT 19 (30 June 2023)
- National Credit Regulator v Vavika Finance (Pty) Ltd t/a Vavika Financial Services (NCT/223376/2022/57(1)) [2022] ZANCT 49 (10 June 2022)
- National Credit Regulator v Viico (Pty) Ltd t/a Financial Services Cash Loans (NCT/223355/2022/57(1)) [2022] ZANCT 45 (10 June 2022)
- National Credit Regulator v WQ Prime Cash Loans & Trading (Pty) Ltd (NCT/214099/2021/57(1)) [2022] ZANCT 57 (27 May 2022)
- Ndubu and Others v First Rand Bank Limited t/a Wesbank (1113 of 2016) [2017] ZASCA 61 (26 May 2017)
- Nebotalo NO obo Nebotalo Family Trust v Prime Furniture Group (Pty) Ltd (41972/19) [2021] ZAGPJHC 352 (1 December 2021)
- NedBank Ltd v Forbes (41706/20) [2022] ZAGPJHC 366 (30 May 2022)
- Nedbank Limited v Abrahams; Nedbank Limited v Malinda; Nedbank Limited v Nkuna; Nedbank Limited v Moshane; Nedbank Limited v Ndzonda; Nedbank Limited v Chounyane (2023-003529; 2023-031890; 2023-039182; 2023-039212; 2023-051021; 2023-053164) [2024] ZAGPJHC 30 (12 January 2024)
- Nedbank Limited v Janse van Vuuren and Another (33222/11) [2018] ZAGPPHC 436 (4 May 2018)
- Nedbank Limited v Mbambao and Another (57345/14) [2017] ZAGPPHC 124 (5 June 2017)
- Nedbank Limited v Retyre (Pty) Ltd and Others (5032/2021) [2022] ZAFSHC 79 (14 June 2022)
- Nedbank Limited v Richardson (2184/2021) [2022] ZAECGHC 96 (12 December 2022)
- Nedbank Limited v Shoko (32115/2021) [2024] ZAGPPHC 50 (22 January 2024)
- Nedbank Limited v Sithole (032118/2022) [2024] ZAGPPHC 88 (2 February 2024)
- Nedbank Limited v Vika Investments Trust and Others (24058/2021) [2024] ZAGPJHC 37 (17 January 2024)
- Nedbank Limited v Zevoli 208 (Pty) Ltd and Others (15698/2015) [2017] ZAKZPHC 22 (4 July 2017)
- Nedbank Ltd and Others v The National Credit Regulator and Another (500/2010; 662/2009) [2011] ZASCA 35 (28 March 2011)
- Nedbank Ltd v Mphambela and Another (1267/2020) [2023] ZAGPPHC 797 (19 July 2023)
- Nedbank Ltd v Campbell (6350/2021) [2023] ZAWCHC 44 (2 May 2023)
- Nedbank Ltd v Dlamini (17574/2022P) [2023] ZAKZPHC 124 (20 October 2023)
- Nedbank Ltd v Eupina (11517/2021P) [2023] ZAKZPHC 56 (24 May 2023)
- Nedbank Ltd v Kruger (3013/2022) [2023] ZAGPPHC 635 (2 June 2023)
- Nedbank Ltd v Mabaso and Another (17887 of 2019) [2022] ZAGPJHC 757 (14 October 2022)
- Nedbank Ltd v Malaka (38015/2021) [2023] ZAGPJHC 157 (1 March 2023)
- Nedbank Ltd v Pheto (43927/2020) [2023] ZAGPPHC 1054 (6 September 2023)
- Nedbank Ltd v Uys and Another (52341/2020) [2023] ZAGPPHC 677 (8 June 2023)
- Nedbank v Retyre (Pty) Ltd and Others (5032/2021) [2022] ZAFSHC 62 (14 June 2022)
- Nel and Others v Cilliers (A208/2021) [2022] ZAGPPHC 975 (7 November 2022)
- Nell v Magistrate for District of Ekurhuleni North and Others (A2023/041291) [2024] ZAGPJHC 101 (23 January 2024)
- Ngandela v Absa Bank Limited and Another (EL 1637/2021) [2023] ZAECELLC 48 (31 January 2023)
- Nissan Finance A Product of Wesbank of Firstrand Bank Ltd v Gush Holdings and Enterprises (Pty) Ltd and Another (2022/9914) [2023] ZAGPJHC 238 (5 April 2023)
- Njeto v Trevena N.N.O. and Others; In Re: Trevena N.N.O. and Another v Njeto (2022/1496) [2023] ZAGPJHC 1192 (18 October 2023)
- Nkata v Firstrand Bank Limited and Others [2016] ZACC 12 (21 April 2016)
- Nkeke v National Prosecuting Authority and Others (18779/2017) [2023] ZAGPJHC 726 (20 July 2023)
- Nkosi v Absa Bank Ltd (53195/2019) [2023] ZAGPPHC 628 (6 June 2023)
- Nkwane v Nkwane and Others (36700/16) [2018] ZAGPPHC 617 (22 March 2018)
- Nongadla v Standard Bank (Pty) Ltd (1677/2014) [2023] ZAECMHC 5 (2 February 2023)
- Nonyane v Nedbank Ltd; In Re: Nedbank Ltd v Nonyane (40990/2021) [2023] ZAGPPHC 594 (6 March 2023)
- Nqaba Guarantee SPV (Pty) Ltd and Another v Khayelihle Trust and Another (47603/2017) [2023] ZAGPPHC 711 (29 June 2023)
- Nqaba Guarantee SPV (Pty) Ltd and Another v Khayelihle Trust and Another (Application for Leave to Appeal) (47603/2017) [2023] ZAGPJHC 1417 (27 November 2023)
- Nqaba Guarantee SPV (Pty) Ltd and Another v Myeni and Another (2021/10863) [2023] ZAGPJHC 343 (17 April 2023)
- Oliphant v Firstrand Bank Limited (3101/15) [2017] ZAGPPHC 137 (20 October 2017)
- Paulsen and Another v Slip Knot Investments 777 (Pty) Ltd [2015] ZACC 5 (24 March 2015)
- Paulsen v Slip Knot Investments (434/2013) [2014] ZASCA 16 (25 March 2014)
- Pendigo Trade and Investment (Pty) Ltd t/a Itec Finance v Potgieter (9928/2022) [2023] ZAWCHC 61 (22 May 2023)
- Pepeta v Mitchell Munck (Pty) Ltd (NCT/231628/2022/75(1)(b)) [2022] ZANCT 30 (2 August 2022)
- Pepeta v Mitchell Munck (Pty) Ltd (NCT/245274/2022/148(1)) [2023] ZANCT 3 (9 February 2023)
- Petersen N.N.O. and Others v 4F Fashion (Pty) Limited t/a 4FFashion (2022/062550) [2023] ZAGPJHC 1147 (9 October 2023)
- Petzer v Dixon (A07/2023) [2023] ZAWCHC 31 (24 March 2023)
- Phaladi v Lamara and Another; Moshesha v Lamara and Others [2018] ZAWCHC 1 (12 January 2018)
- Poopedi v BMW Financial Services South Africa (Pty) Ltd; In Re: BMW Financial Services South Africa (Pty) Ltd v Poopedi (43201/19) [2023] ZAGPPHC 76 (31 January 2023)
- Poswa Incorporated v Mincap (Pty) Ltd (21/46473) [2023] ZAGPJHC 912 (14 August 2023)
- Potpale Investment (Rf) (Pty) Ltd v Mbulawa Ntombethemba Alice (45011/2021) [2023] ZAGPJHC 520 (19 May 2023)
- Potpale Investments (Pty) Limited v Zondi (8843/2021) [2022] ZAKZPHC 39 (30 August 2022)
- Predynamic (Pty) Ltd v Saayman (35263/17) [2018] ZAGPPHC 165 (13 February 2018)
- Prevance Capital (Pty) Ltd v TGA Productions and Another (2022/026464) [2023] ZAGPJHC 1124 (5 October 2023)
- Prop Vincemus Investments (Pty) Ltd t/a Kempston Finance v Martinson (15257/2022P) [2024] ZAKZPHC 33 (13 February 2024)
- Radebe v Nedbank Ltd and Another (25017/2019) [2023] ZAGPJHC 1175 (13 October 2023)
- Raft Crete CC v Pro Team Construction (Pty) Ltd and Another (27017/2020) [2022] ZAGPPHC 1097 (25 November 2022)
- Ratlou v Man Financial Services SA (Pty) Ltd (1309/17) [2019] ZASCA 49 (1 April 2019)
- Retmil Financial Services (Pty) Ltd v Sanlam Life Insurance Comapany Ltd and Others (18779/2012) [2013] ZAWCHC 65 (30 April 2013)
- Reyakopele Trading 117 CC v Velocity Finance (RF) Ltd (47143/20) [2022] ZAGPPHC 805 (12 July 2022)
- Reyakopele Trading 117 and Another v Wesbank Limited (27058/2020) [2022] ZAGPJHC 772 (17 October 2022)
- Rhenus Logistics Proprietary Ltd v Good To Go Trading CC (2022-021528) [2024] ZAGPJHC 146 (5 February 2024)
- Ribeiro and Another v Slip Knot Investments 777 (661/2009) [2010] ZASCA 174 (2 December 2010)
- Rio Ridge 1121 (Pty) Ltd v 130 Fox Street Investment (Pty) Ltd and Another (30135/2019) [2024] ZAGPJHC 1617 (26 March 2024)
- Rise Security Services (Pty) Ltd v National Youth Development Agency (005278/2023) [2023] ZAGPJHC 1475 (6 December 2023)
- Rodel Financial Services (Pty) Ltd v Naidoo and Another (13335/2009) [2011] ZAKZDHC 7 (18 February 2011)
- Rooplal N.O. v Khangela and Another (11111/20) [2021] ZAGPJHC 99 (5 November 2021)
- Rooplal N.O. v Mmuso (22424/2019) [2023] ZAGPPHC 3 (10 January 2023)
- Rossouw and Another v First Rand Bank Ltd t/a FNB Homeloans (Formerly First Rand Bank of South Africa Ltd) (640/2009) [2010] ZASCA 130 (30 September 2010)
- SA Soutwerke (Pty) Ltd v Saamwerk Soutwerke (Pty) Ltd (1463/2011) [2023] ZANCHC 35 (31 March 2023)
- SA Taxi Development Finance (Pty) Ltd v Mogorane (051209/2022) [2023] ZAGPJHC 1174 (13 October 2023)
- SA Taxi Finance Solutions (Pty) Ltd v Mokobi (2021/12537) [2023] ZAGPJHC 770 (30 June 2023)
- SA Taxi Impact Fund (RF) (Pty) Ltd v Joshua (003406/2023) [2023] ZAGPJHC 1256 (27 October 2023)
- SA Taxi Securitisation (Pty) Ltd v Mongezi Moni and Others (CA 265/2010; CA 266/2010; CA 267/2010) [2011] ZAECGHC 11 (28 April 2011)
- SB Guarantee Company (RF) (Pty) Ltd v Hadien (10141/2020) [2024] ZAGPPHC 375 (9 April 2024)
- SB Guarantee Company (RF) (Pty) Ltd v Tshavhungwe (36951/2020) [2024] ZAGPPHC 178 (21 February 2024)
- SB Guarantee Company (Rf) Proprietary Ltd v Baroville Trade and Investments (Pty) Ltd and Another (2021/52787) [2023] ZAGPJHC 1064 (19 September 2023)
- Satin Rock (Pty) Ltd R.L. Development & Construction and Another v Teichman ; Teichman v Satin Rock (Pty) Ltd and Others (2022 - 049732) [2024] ZAGPJHC 1532 (5 March 2024)
- Sawyer v Sam N.O. and Others; Sawyer v Sam and Another (6239/2021) [2022] ZAWCHC 189 (8 December 2022)
- Sebola and Another v Standard Bank of South Africa Ltd and Another [2012] ZACC 11 (7 June 2012)
- Sequeira v Standard Bank of South Africa and Others ; In Re: Standard Bank of South Africa Ltd v Britz and Another (45914/2021) [2023] ZAGPJHC 1267 (27 October 2023)
- Seyffert and Another v Firstrand Bank Ltd t/a First National Bank (577/2011) [2012] ZASCA 81 (30 May 2012)
- Shackleton Credit Management (Pty) Ltd v Microzone Trading 88 CC and Another (7089/2009) [2010] ZAKZPHC 15 (4 May 2010)
- Shackleton Credit Management (Pty) Ltd v Van Der Merwe (2023-064985) [2024] ZAGPJHC 131 (12 February 2024)
- Shaw and Another v Mackintosh and Another (267 of 2017) [2018] ZASCA 53 (29 March 2018)
- Shikwambana v Koekemoer (NCRDC760) ; In re: Shikwambana v Koekemoer (NCRDC760) (Condonation Ruling) (NCT/244674.2022/141(1)(b) Rule 34) [2022] ZANCT 2 (21 December 2022)
- Shoko v Nedbank ; In Re: Nedbank Ltd v Shoko (32115/21) [2024] ZAGPPHC 259 (4 March 2024)
- Shoprite Checkers (Pty) Ltd v MEC For Economic Development, Environmental Affairs and Tourism: Eastern Cape and Others (1278/2014) [2014] ZAECGHC 114 (13 November 2014)
- Shoprite Checkers (Pty) Ltd v MEC for Economic Development, Environmental Affairs And Tourism: Eastern Cape and Others (1278/2014) [2014] ZAECGHC 106 (13 November 2014)
- Sibindi v Tiger Consumer Brand Ltd; In Re: Tiger Consumer Brand Ltd v Sibindi (2022/7483) [2023] ZAGPJHC 716 (14 June 2023)
- Sikhosonke Trading and Investments (Pty) Ltd v Absa Bank Ltd and Another; In Re: Absa Bank Ltd v Sikhosonke Trading and Investments (Pty) Ltd (2338/2020) [2023] ZAECGHC 23 (17 March 2023)
- Simba v Absa Bank Limited (Leave of Appeal) (68888/16) [2022] ZAGPPHC 804 (14 July 2022)
- Singh v Nedbank Ltd and Another (942/2018) [2023] ZAGPJHC 99 (9 February 2023)
- Smith N.O. and Others v Van der Ryst ; In re: Van der Ryst v Master of High Court, Northern Cape and Others (1316/2023) [2024] ZANCHC 11 (9 February 2024)
- Smolly N.O. and Others v T R Funeral Solutions CC and Others (2023 - 042676) [2024] ZAGPJHC 1546 (8 March 2024)
- South African Securitisation Programme (Rf) Ltd v Mirjana (2022/6034) [2023] ZAGPJHC 787 (6 July 2023)
- South African Securitisation Programme (RF) Ltd v Valucorp 105 C/C t/a Agrisolar and Others (374/2022) [2023] ZANCHC 85 (10 November 2023)
- Spagni v Acting Director of Public Prosecutions, Western Cape and Others (455/22) [2023] ZASCA 24 (13 March 2023)
- Standard Bank SA v Makoro (7632/21) [2023] ZAGPPHC 35 (20 January 2023)
- Standard Bank South Africa Limited v Chakane Properties (Pty) Ltd (2709/2022) [2022] ZAFSHC 119 (29 September 2022)
- Standard Bank South Africa Limited v Lamont (17022/18) [2022] ZAGPJHC 1 (25 January 2022)
- Standard Bank of SA Ltd and Others v Thobejane and Others (999/2019) [2021] ZASCA 92 (25 June 2021)
- Standard Bank of SA Ltd v Christiaan Johan Coetzee (A 76/2010) [2010] ZAWCHC 216 (24 November 2010)
- Standard Bank of South Africa Limited v Baxter (26936/2015) [2024] ZAGPJHC 3 (3 January 2024)
- Standard Bank of South Africa Limited v Makhubela (Hlalele) and Another (2021/13210) [2023] ZAGPPHC 1168 (18 October 2023)
- Standard Bank of South Africa Limited v Zungu (Reasons for Judgment) (P 11066/2021) [2022] ZAKZPHC 28 (21 June 2022)
- Standard Bank of South Africa Ltd v Infogold Investments CC and Others (25921/2017) [2023] ZAGPPHC 1097 (20 September 2023)
- Standard Bank of South Africa Ltd v Miracle Mile Investments 67 (Pty) Ltd and Another (187/2015) [2016] ZASCA 91 (1 June 2016)
- Standard Bank of South Africa Ltd v Pretorius N.N.O. and Others (5268/2019) [2023] ZAFSHC 41 (23 February 2023)
- Statusfin Financial Service (Pty) Ltd v Carstens and Another (23807/2018) [2022] ZAGPPHC 675 (17 October 2022)
- Steffens v Boylen (NCT-232776-2022 Section 141(1)(b)) [2022] ZANCT 15 (29 October 2022)
- Stow v Regional Magistrate, PE NO and Others, Meyer v Cooney NO and Others (2320/2013; 3986/2009) [2017] ZAECGHC 12 (9 February 2017)
- Structured Mezzanine Investments (Pty) Ltd v Bestvest 153 (Pty) Ltd and Others (22698/2009) [2013] ZAWCHC 61 (31 January 2013)
- Strydom v Engen Petroleum Ltd (184/2012) [2012] ZASCA 187 (30 November 2012)
- Summit Financial Partners (Pty) Ltd and Others v Direct Axis SA (Pty) Ltd and Others (NCT/145402/2019/141(1)(b)) [2022] ZANCT 11 (24 November 2022)
- Summit Financial Partners (Pty) Ltd v Direct Axis SA (Pty) Ltd and Others (NCT/177859/2021/141(1)(b)) [2022] ZANCT 12 (17 November 2022)
- Swart NO and Others v De Witt (34997/15) [2018] ZAGPPHC 545 (17 January 2018)
- TSF v SCD (15250 of 2019) [2020] ZAGPJHC 515 (27 September 2020)
- Tau Rollermeulle (Pty) Ltd v Murcus M Farming CC (63226/2018) [2023] ZAGPPHC 572 (23 May 2023)
- Tebeila NO and Others v ABSA Bank Ltd (2019/14019) [2024] ZAGPJHC 1672 (9 April 2024)
- Tete v Nedbank Ltd (35877/2018) [2023] ZAGPPHC 916 (16 August 2023)
- Theu and Another v SB Guarantee Company (Rf) Pty Ltd and Another; In Re: SB Guarantee Company (Rf) Pty Ltd v Theu and Another (87167/2019) [2023] ZAGPPHC 189 (17 March 2023)
- Timac Agro South Africa (Pty) Ltd v Nel (3379/2020) [2023] ZAFSHC 61 (22 March 2023)
- Toyota Financial Services (South Africa ) Ltd v Waste Partners Investment (Pty) Ltd (9578 of 2020) [2022] ZAGPJHC 741 (29 August 2022)
- Transactional Capital Business Solutions (Pty) Ltd v MT Nkabz Holdings and Investment (Pty) Ltd and Another (2020/19360) [2023] ZAGPJHC 44 (16 January 2023)
- Tsakane and Another v Firstrand Bank Ltd and Others (019229/22) [2023] ZAGPPHC 1320 (12 December 2023)
- Tskanae and Another v Firstrand Bank Ltd and Others (A250/2021) [2023] ZAGPPHC 823 (18 July 2023)
- Turnerland Manufacturing (Pty) Ltd v Taxing Master Western Cape High Court and Another (15037/2021) [2023] ZAWCHC 90 (13 July 2023)
- UPS SCS South Africa (Pty) Ltd v Hendrik Cornelis van Wyk t/a Skydive Mossel Bay (421/2020; 422/2020) [2021] ZASCA 131 (1 October 2021)
- University of Stellenbosch Legal Aid Clinic and Others v Minister of Justice and Correctional Services and Others; Association of Debt Recovery Agents NPC v University of Stellenbosch Legal Aid Clinic and Others; Mavava Trading 279 (Pty) Ltd and Others v University of Stellenbosch Legal Aid Clinic and Others [2016] ZACC 32 (13 September 2016)
- Uys N.N.O. and Others v National Credit Regulator and Another (A58/2021) [2023] ZAGPPHC 901 (10 August 2023)
- Uys NO and Others v National Credit Regulator and Another (A 58/21) [2022] ZAGPPHC 762 (4 August 2022)
- V v V (7833/16) [2018] ZAGPPHC 280 (6 July 2018)
- Van Den Berg v Land and Agricultural Development Bank of SA N.N.O. and Others (1955/2016) [2023] ZAFSHC 142 (21 August 2023)
- Van Stryp v Mahindra East Rand CC and Another (NCT/215614/2022/75(1)(b)) [2023] ZANCT 12 (31 March 2023)
- Van Wyk v Regional Magistrate Mbululu and Another (CA115/2022) [2024] ZAECGHC 12 (30 January 2024)
- Van der Merwe v Bonnievale Piggery (Pty) Ltd (7429/2018) [2021] ZASCA 162 (1 December 2021)
- Van der Merwe v Top Tech Feeds (Pty) Ltd and Another (21939/2021) [2023] ZAGPPHC 1175 (20 October 2023)
- Velocity Finance (RF) Ltd v Molef (004269/2022) [2023] ZAGPJHC 521 (19 May 2023)
- Vesagie NO and Others v Erwee NO and Another (734/2013) [2014] ZASCA 121 (19 September 2014)
- Vilvanathan and Another v Louw NO (1254/2003) [2010] ZAWCHC 49 (19 March 2010)
- Volkswagen Financial Services SA (Pty) Ltd v Giwu NO (3792/2023) [2024] ZAECGHC 5 (18 January 2024)
- Volkswagen SA v Pillay (P 7330/2020) [2022] ZAKZPHC 19 (1 April 2022)
- Voltex (Pty) Ltd v Chenzela CC and Others (14833/2008) [2010] ZAKZPHC 36 (19 March 2010)
- Vorster v Clothing City (Pty) Ltd (159/2023) [2024] ZASCA 53 (19 April 2024)
- Vorster v Clothing City (Pty) Ltd (CA 145/2021) [2022] ZAECGHC 10 (17 May 2022)
- WesBank v Maseko and Another (47971/17) [2022] ZAGPJHC 566 (22 August 2022)
- Wesbank A Division of Firstrand v Magaladi (62969/13) [2018] ZAGPPHC 153 (13 February 2018)
- Wesbank, a division of Firstrand Bank Limited v Ditirisano Trading (Pty) Ltd and Another; In re: Wesbank, a division of Firstrand Bank Limited v Ditirisano Trading (Pty) Ltd and Another (8545/2019; 88862/2015) [2023] ZAGPPHC 1220 (1 November 2023)
- West Bank, a division of Firstrand Bank Ltd v Moropyane (18313/2022) [2023] ZAGPPHC 875 (31 July 2023)
- Williams v Shackleton Credit Management (10771/2022) [2023] ZAWCHC 167 (10 November 2023)
- Yan v Mahlangu and Others (2020/19368) [2022] ZAGPJHC 810 (24 October 2022)
- Zero Azania (Pty) Ltd v Caterpillar Financial Services SA (Pty) Ltd ; Azania Money Growth (Pty) Ltd v Caterpillar Financial Services SA (Pty) Ltd (A2023/100001) [2023] ZAGPJHC 1391 (21 November 2023)
- Zervas v Greef; In Re: Greef v Scenic Route Trading 502 CC t/a Devco Group and Another (21846/ 18) [2023] ZAGPPHC 242 (26 January 2023)
- enX Corporation Ltd t/a Eqstra Fleet Management v TNJ Project Solutions (Pty) Ltd and Another (28165/2020) [2023] ZAGPJHC 17 (13 January 2023)
Law Reform Report 1
Legislation 17
- Consumer Protection Act, 2008
- Credit Control
- Credit Control and Debt Collection
- Customs Control Act, 2014
- Customs Duty Act, 2014
- Determination of Fit and Proper Requirements, 2017
- Financial Sector Regulation Act, 2017
- Fit and proper requirements for market infrastructures, 2013
- KwaZulu-Natal Gaming Rules, 2013
- Limpopo Consumer Protection Act, 2015
- Magistrates' Courts Act, 1944
- Market
- Northern Cape Consumer Protection Act, 2012
- Northern Cape Gambling Act, 2008
- Policyholder Protection Rules (Long-term Insurance), 2017
- Policyholder Protection Rules (Short-term Insurance), 2017
- Protection of Personal Information Act, 2013