Examining the National Credit Act


Course overview

The Practical Implications of the National Credit Act course provides you with a comprehensive overview of the National Credit Act 34 of 2005 and its subsequent amendments (and practical implications) affected by the National Credit Amendment Act 19 of 2014. During the course, you will gain requisite insights to recent court decisions and relevant legal publications relating to the Act, and specifically, its impact on legal practitioners and other role players in the consumer credit industry. The course will also enable you to identify unlawful agreements and/or provisions in credit agreements in order to determine authoritative non-compliance to the Act.

Who should attend the course?

This course is primarily designed for the following target group in mind

  • Attorneys, advocates, debt collectors, credit providers, debt counsellors and others involved in consumer credit will benefit from attending this workshop.

Course objectives

At the end of this course, Participants will be able:

  • Understand and apply the main provisions of the Act and the Amendment Act with reference to applicability of the Act to credit agreements; registration requirements for credit providers and the consequences of failure to register.
  • Gain insight into issues of over-indebtedness and the debt counseling process; reckless credit and affordability assessments; and debt collection under the Act.
  • Grasp a deeper understanding of unlawful agreements and unlawful provisions in credit agreements as well as the sanctions in case of non-compliance to the Act.

The Learning Model

The trainer uses up-to-date training techniques and a variety of training methods, to give all participants the
best opportunities for learning including:

  • Class session
  • Group discussions
  • Simulations exercises
  • Case studies and problem solving exercises
  • Individual assignments
  • Templates and tools

Course Contents

  • An Overview of the Act
  • Consumer Credit Institutions Name
  • Credit Agreements
  • Consumer Rights
  • Over-indebtedness and Reckless Credit
  • Complaints and Disputes

Course Calendar

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Cost: R 2 500


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