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How regulators play God, and fail

Regulations intended to protect the poor end up doing the reverse. The Reserve Bank is there to "protect the value of the ran". How do you think that has panned out? Credit regulators accuse Shoprite of reckless lending in a bizarre ruling that affected just 0,2% of loans. And taxi regulations encourage violence against Uber drivers, but the real target of that violence is you, argues Leon Louw of the Free Market Foundation. 

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Alberton couple kick Standard Bank to touch

An Alberton couple recently defeated an attempt by Standard Bank to repossess their home after they demonstrated that they had settled the arrears the bank was claiming. Thousands of other South Africans in a similar position should pay attention. It could save their houses.

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Not all conspiracy theories about courts and lawyers are false

Not all conspiracy theories involving courts and lawyers are false. Here, in the grimy halls of justice, the banks are daily flouting the law in ways that most people do not realise. But the tide is turning in favour of customers. A relatively small change to High Court Rule 46 means banks may no longer sell a property without a reserve price. It means properties must be sold at market prices. That in itself will go a long way to halting evictions and dousing the banks’ enthusiasm for foreclosure.

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Has the land grab begun, or will it be nipped in the bud?

Joburg mayor Herman Mashaba recently ordered police to stop land invasions in Orange Farm and Blue Hills, both near Johannesburg. President Cyril Ramaphosa, responding to another land grab at Olivenhoutbosch near Pretoria, has likewise warned land invaders that they would face the full might of the law. The National Assembly last month passed a majority vote allowing for land expropriation, and has now referred the matter to the Constitutional Review Committee. Is this setting a pattern for the future, or will the rule of law prevail?

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