South Africa Law
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A company normally only blacklist a client if the company obtained judgment for outstanding Debt or in the case of the client defaulting on payment.
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Some companies like the major banks will and can still list you as a bad payer (default) without a court judgment. This listing is however not so detrimental to your credit worthiness status as a formal judgment.
If you feel that you have been incorrectly blacklisted or blacklisted unfairly you can lay a complaint at the credit bureau ombudsman /www.creditombud.org.za
Sorry for any misunderstanding Customer.
That is correct they can still blacklist you for non-payment(default) as well.The banks use this default listing between each other to establish if they can grant a loan to you or not but as i said this is not so intense as an actual blacklist for judgment(where they issued summons against you and obtained a court order.)
I hope everything is clear now if not feel free to reply im here to assist.