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Specific rights in terms of the National Credit Act

Specific rights in terms of the National Credit Act
In terms of the National Credit Act, you have the right to:-

  • Request reasons for credit refusal;
  • Receive documents in plain and understandable language, and in an official language you understand;
  • Having all the relevant documents delivered to you;
  • Confidentiality;
  • Choose your own insurance;
  • Statements delivered to you;
  • A pre-agreement statement with all the terms and conditions, and a written quote, valid for five days, which you may accept or reject;
  • Be charged only fees and interest stipulated in the Act; and
  • Debt Counselling services, when you are unable to meet your repayment obligations

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