A domestic servant on a monthly wage of R1375.00 buys furniture to the value of R6269.99 plus delivery charge of R700.00 on the 30/07/2011 has a total bill of R15184.73 payable at R633.00 per month for 24 months. Then on the 03/03/2012 she goes to the same company and gets a personal loan of R4500.00 rand which balloons to R8383.29 over 24 months which she pays R350.00 per month. To summaries her take home pay is R1375.00 per month less R983.00 which is her monthly instalment leaves her R392.00 to live on per month. She lives on her own with no other income. Is this by law allowed?
Province: Eastern Cape
Have only been told now so you are the first institution i have written to
HiWelcome to Just Answer!! Thank you for giving me the opportunity to assist you.
This is in contravention of the National Credit Act. In my view you should assist her in laying a complaint with the Credit Ombudsman for investigation. You can do this on her behalf on www.creditombud.org.za
The debt should be written off as penalty and she should be able to retain the goods.
Admitted Attorney 17 years experience
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