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Repossessions
QUICK TIP The National Credit Act was introduced to protect you from dishonest and over-zealous creditors. Make sure you know your rights in terms the Act.
Do Not Let Over Zealous Debt Collectors Bully You!
A credit provider may ask you to surrender the goods which were financed or may approach the court for a warrant of attachment, which allows them to forcibly remove the goods from your possession. The goods are often part of the security for the credit provided and where you fail to make regular payments the contract will often allow the goods to be repossessed. The contract must be read and even where it gives a clear right to the creditor to repossess the goods, it is still up to the consumer to decide whether to comply with that request or have the credit provider obtain a court order forcing them to give up the goods. While the costs of obtaining such an order are usually passed on to the consumer, there are circumstances where it is best not to surrender the goods, e.g. where you will be able to resume payments shortly.
In general, unless the sheriff of the court arrives with a valid order authorizing the attachment and removal of the goods, you can opt not to surrender the goods.
It is often better not to surrender the goods as they will often be sold on auction for a fraction of their retail value.
Many creditors promise that if payment is made by a specific date you can get the goods back, however it is much more likely that they will have already auctioned the goods by that date. Goods are always sold as quickly as possible and usually for far less than they are worth, so if you can try to get someone to attend the auction and buy the car or furniture back for you, it is often worth while. Especially with car auctions, if you do not get the car bought for a good price you will end up with an even higher debt to the bank than you should (it will not be reduced by a high sale amount) and someone will be smiling at having bought your car for next to nothing.
So, if your car has been repossessed voluntarily (by your surrendering it), act now, find out if it has not been sold and if not try to arrange that someone buy it for you temporarily.
For help, contact:
Any Debt Counsellor On Our Site
An attorney - an online list of attorneys is available at the Law Society of South Africa's website www.lssa.org.za
Court staff who can give you basic information;
the Government's Legal Aid Board will usually not assist with civil matters such as these but you can request assistance from them. (To find the nearest office call (012) 481 2700 or Fax: (012) 341 8747).
If you owe the amount claimed, but are unable to pay in full, consider acknowledging the debt on a without prejudice basis (or at worst by signing an Acknowledgment of Debt) and agreeing to pay by installments. If you do not owe the amount claimed, or only owe part of it, file a Notice of Intention to Defend the claim.
Debt-Counselling Your Last Stop
Debt Counselling | Repossessions Creditors Harrassing You. Debt Counselling is your last stop to eliminate the scourge we call "DEBT". Take The First Step To Rid yourself of Debt. We Care About You And Will Help Where We Can.
Western Cape Debt Counsellors
Company Name: ZERO DEBT
Contact Person: Chris
NCR Registration No: MEG DEBT COUNSELLING - NCRDC557
Tel: 086 111 3749
Click To Contact Zero Debt
Company Name: Debko Consulting & Management Services
Contact Person: Deborah-Anne Solomon
NCR Registration No: NCRDC689
Tel: 0731426727
Click To Contact Debko Consulting & Management Services
Company Name: MEG Debt Counselling CC
Contact Person: Megan Elizabeth Wasson
NCR Registration No: NCRDC557
Tel: 073 137 4372
Click To Fill Out An Enquiry Contact
Company Name: Debt Future Now
Contact Person: Natasha
NCR Registration No: Rihanyo (E.E. Chabangu Trading CC) NCRDC224
Tel: 071 070 1316
Click To Contact DebtFutureNow
Eastern Cape Debt Counsellors
Gauteng Debt Counsellors
Pretoria
Company Name: Rihanyo (E.E. Chabangu Trading CC)
Contact Person: Eunice Chabangu
NCR Registration No: NCRDC224
Tel: 012 804 5057
Click To Contact Rihanyo
Pretoria North
Company Name: Swanepoel and Strydom Debt Counselling
Contact Person: Suyanne Strydom
NCR Registration No: NCRDC591
Tel: 012 546 8776 or 012 323 5810
Click To Contact Swanepoel and Strydom Debt Counselling
Centurion
Company Name: Rihanyo (E.E. Chabangu Trading CC)
Contact Person: Giovanni Vannucci
Rihanyo (E.E. Chabangu Trading CC) NCR Registration No: NCRDC224
Tel: 082 659 1016
Click To Contact Rihanyo
Midrand
Polokwane Debt Counsellors
Chris Barkhuizen is a retired banker of 32 years. He did his exams for debt counselling at Tukkies.
His NCR number is NCRDC210.
Chris will uphold, protect and advance the Debt Counsellors proffession through the rule of law, fight and challenge all discriminatory practices relating to the reckless grating of credit to consumers.
Chris can assist consumers in the following areas;
Rustenburg, Brits(Modibeng), Warmbaths(Bela-Bela), Nylstroom(Modimolle) Ellisras(Lephalale) and Thabazimbi as well as Naboomspruit Marken district.
Company Name: Chris Barkhuizen
Contact Person: Chris Barkhuizen
NCR Registration No: NCRDC210
Tel: 083 225 4709
Click To Contact Chris Barkhuizen
Mpumulanga Debt Counsellors
Company Name: Rihanyo (E.E. Chabangu Trading CC)
Contact Person: Eunice Chabangu
NCR Registration No: NCRDC224
Tel: 012 804 5057
Click To Contact Rihanyo
Free State Debt Counsellors
Company Name: ZERO DEBT
Contact Person: Chris
NCR Registration No: MEG DEBT COUNSELLING - NCRDC557
Tel: 086 111 3749
Click To Contact Zero Debt
North West Debt Counsellors
Chris Barkhuizen is a retired banker of 32 years. He did his exams for debt counselling at Tukkies.
His NCR number is NCRDC210.
Chris will uphold, protect and advance the Debt Counsellors proffession through the rule of law, fight and challenge all discriminatory practices relating to the reckless grating of credit to consumers.
Chris can assist consumers in the following areas;
Rustenburg, Brits(Modibeng), Warmbaths(Bela-Bela), Nylstroom(Modimolle) Ellisras(Lephalale) and Thabazimbi as well as Naboomspruit Marken district.
Company Name: Chris Barkhuizen
Contact Person: Chris Barkhuizen
NCR Registration No: NCRDC210
Tel: 083 225 4709
Click To Contact Chris Barkhuizen
Click on the Pretoria Debt Counsellor
Fill out The Free Enquiry
And the Debt Counsellor will be in Contact with You Shortly
Company Name: Rihanyo (E.E. Chabangu Trading CC)
Contact Person: Eunice Chabangu
NCR Registration No: NCRDC224
Tel: 012 804 5057
Click To Contact Rihanyo
Pretoria North
Company Name: Swanepoel and Strydom Debt Counselling
Contact Person: Suyanne Strydom
NCR Registration No: NCRDC591
Tel: 012 546 8776 or 012 323 5810
Click To Contact Swanepoel and Strydom Debt Counselling
Centurion
Fill out The Free Enquiry
And the Debt Counsellor will be in Contact with You Shortly
Company Name: Rihanyo (E.E. Chabangu Trading CC)
Contact Person: Giovanni Vannucci
Rihanyo (E.E. Chabangu Trading CC) NCR Registration No: NCRDC224
Tel: 082 659 1016
Midrand
Fill out The Free Enquiry
And the Debt Counsellor will be in Contact with You Shortly
Silverton
Fill out The Free Enquiry
And the Debt Counsellor will be in Contact with You Shortly
Company Name: Rihanyo (E.E. Chabangu Trading CC)
Contact Person: Eunice Chabangu
NCR Registration No: NCRDC224
Tel: 012 804 5057
Click To Contact Rihanyo
Sandton
Fill out The Free Enquiry
And the Debt Counsellor will be in Contact with You Shortly
Johannesburg
Fill out The Free Enquiry
And the Debt Counsellor will be in Contact with You Shortly
Thabazimbi
Fill out The Free Enquiry
And the Debt Counsellor will be in Contact with You Shortly
Chris Barkhuizen is a retired banker of 32 years. He did his exams for debt counselling at Tukkies.
His NCR number is NCRDC210.
Chris will uphold, protect and advance the Debt Counsellors proffession through the rule of law, fight and challenge all discriminatory practices relating to the reckless grating of credit to consumers.
Chris can assist consumers in the following areas;
Rustenburg, Brits(Modibeng), Warmbaths(Bela-Bela), Nylstroom(Modimolle) Ellisras(Lephalale) and Thabazimbi as well as Naboomspruit Marken district.
Company Name: Chris Barkhuizen
Contact Person: Chris Barkhuizen
NCR Registration No: NCRDC210
Tel: 083 225 4709
Click To Contact Chris Barkhuizen
Kimberley
Fill out The Free Enquiry
And the Debt Counsellor will be in Contact with You Shortly
Durban
Fill out The Free Enquiry
And the Debt Counsellor will be in Contact with You Shortly
Bellville
Fill out The Free Enquiry
And the Debt Counsellor will be in Contact with You Shortly
Company Name: ZERO DEBT
Contact Person: Chris
NCR Registration No: MEG DEBT COUNSELLING - NCRDC557
Tel: 086 111 3749
Click To Contact Zero Debt
Company Name: Debko Consulting & Management Services
Contact Person: Deborah-Anne Solomon
NCR Registration No: NCRDC689
Tel: 0731426727
Click To Contact Debko Consulting & Management Services
TableView
Fill out The Free Enquiry
And the Debt Counsellor will be in Contact with You Shortly
Company Name: MEG Debt Counselling CC
Contact Person: Megan Elizabeth Wasson
NCR Registration No: NCRDC557
Tel: 073 137 4372
Click To Contact MEG Debt Counselling
Cape Town
Fill out The Free Enquiry
And the Debt Counsellor will be in Contact with You Shortly
Company Name: ZERO DEBT
Contact Person: Chris
NCR Registration No: MEG DEBT COUNSELLING - NCRDC557
Tel: 086 111 3749
Click To Contact Zero Debt
Company Name: Debko Consulting & Management Services
Contact Person: Deborah-Anne Solomon
NCR Registration No: NCRDC689
Tel: 0731426727
Click To Contact Debko Consulting & Management Services
Margate
Fill out The Free Enquiry
And the Debt Counsellor will be in Contact with You Shortly
Pietermaritzburg
Fill out The Free Enquiry
And the Debt Counsellor will be in Contact with You Shortly
East London
Fill out The Free Enquiry
And the Debt Counsellor will be in Contact with You Shortly
Port Elizabeth
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And the Debt Counsellor will be in Contact with You Shortly
Jeffreys Bay
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And the Debt Counsellor will be in Contact with You Shortly
Bloemfontein
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And the Debt Counsellor will be in Contact with You Shortly
Welkom
Fill out The Free Enquiry
And the Debt Counsellor will be in Contact with You Shortly
Nelspruit
Fill out The Free Enquiry
And the Debt Counsellor will be in Contact with You Shortly
Company Name: Rihanyo (E.E. Chabangu Trading CC)
Contact Person: Eunice Chabangu
NCR Registration No: NCRDC224
Tel: 012 804 5057
Click To Contact Rihanyo
Witbank
Fill out The Free Enquiry
And the Debt Counsellor will be in Contact with You Shortly
Company Name: Rihanyo (E.E. Chabangu Trading CC)
Contact Person: Eunice Chabangu
NCR Registration No: NCRDC224
Tel: 012 804 5057
Click To Contact Rihanyo
Bronkhorstspruit
Fill out The Free Enquiry
And the Debt Counsellor will be in Contact with You Shortly
Company Name: Rihanyo (E.E. Chabangu Trading CC)
Contact Person: Eunice Chabangu
NCR Registration No: NCRDC224
Tel: 012 804 5057
Click To Contact Rihanyo
Brits
Fill out The Free Enquiry
And the Debt Counsellor will be in Contact with You Shortly
Chris Barkhuizen is a retired banker of 32 years. He did his exams for debt counselling at Tukkies.
His NCR number is NCRDC210.
Chris will uphold, protect and advance the Debt Counsellors proffession through the rule of law, fight and challenge all discriminatory practices relating to the reckless grating of credit to consumers.
Chris can assist consumers in the following areas;
Rustenburg, Brits(Modibeng), Warmbaths(Bela-Bela), Nylstroom(Modimolle) Ellisras(Lephalale) and Thabazimbi as well as Naboomspruit Marken district.
Company Name: Chris Barkhuizen
Contact Person: Chris Barkhuizen
NCR Registration No: NCRDC210
Tel: 083 225 4709
Click To Contact Chris Barkhuizen
Alberton
Fill out The Free Enquiry
And the Debt Counsellor will be in Contact with You Shortly
Kempton Park
Fill out The Free Enquiry
And the Debt Counsellor will be in Contact with You Shortly
Paarl
Fill out The Free Enquiry
And the Debt Counsellor will be in Contact with You Shortly
Company Name: Debko Consulting & Management Services
Contact Person: Deborah-Anne Solomon
NCR Registration No: NCRDC689
Tel: 0731426727
Click To Contact Debko Consulting & Management Services
Company Name: ZERO DEBT
Contact Person: Chris
NCR Registration No: MEG DEBT COUNSELLING - NCRDC557
Tel: 086 111 3749
Click To Contact Zero Debt
Strand
Fill out The Free Enquiry
And the Debt Counsellor will be in Contact with You Shortly
Company Name: Debko Consulting & Management Services
Contact Person: Deborah-Anne Solomon
NCR Registration No: NCRDC689
Tel: 0731426727
Click To Contact Debko Consulting & Management Services
Company Name: ZERO DEBT
Contact Person: Chris
NCR Registration No: MEG DEBT COUNSELLING - NCRDC557
Tel: 086 111 3749
Click To Contact Zero Debt
Warmbaths
Fill out The Free Enquiry
And the Debt Counsellor will be in Contact with You Shortly
Chris Barkhuizen is a retired banker of 32 years. He did his exams for debt counselling at Tukkies.
His NCR number is NCRDC210.
Chris will uphold, protect and advance the Debt Counsellors proffession through the rule of law, fight and challenge all discriminatory practices relating to the reckless grating of credit to consumers.
Chris can assist consumers in the following areas;
Rustenburg, Brits(Modibeng), Warmbaths(Bela-Bela), Nylstroom(Modimolle) Ellisras(Lephalale) and Thabazimbi as well as Naboomspruit Marken district.
Company Name: Chris Barkhuizen
Contact Person: Chris Barkhuizen
NCR Registration No: NCRDC210
Tel: 083 225 4709
Click To Contact Chris Barkhuizen