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National Credit Act, 2005 (Act No. 34 of 2005)

Chapter 6 : Collection, Repayment, Surrender and Debt Enforcement

Part C : Debt enforcement by repossession or judgment

133. Prohibited collection and enforcement practices


(1) A credit provider must not—
(a) make use of any document, number or instrument referred to in section 90(2)(l) when collecting on or enforcing a credit agreement; or
(b) direct or permit any other person to do anything contemplated in this subsection on behalf, or as an agent, of the credit provider.


(2) When collecting money owed by a consumer under a credit agreement or when seeking to enforce a credit agreement, a credit provider must not use or rely on, or permit any person to use or rely on, any document, instrument or contract provision referred to in section 90(2)(l).


(3) A person who contravenes this section is guilty of an offence.