SAFLII Note: Certain personal/private details of parties or witnesses have been redacted from this document in compliance with the law and SAFLII Policy	

IN THE NATIONAL CONSUMER TRIBUNAL HELD 
IN CENTURION

Case Number: NCT/ 287/2009/138 (1)(P)
Date:17/12/2009

In the matter between:

SHARON ELIZABETH CAMPBELL................................................................/Consumer
ID:
and
THE MOTOR FINANCE CORPORATION t/a MFC .........st Respondent/Credit Provider
TRUTER JAMES DE RIBBER.........................................nd Respondent/Credit Provider
GROENEWALD/ LUBBE INCORPORATED
 ATTORNEYS...................................................................rd Respondent/Credit Provider
WOOLWORTHS	…......................................................th Respondent/Credit Provider
FIRST NATIONAL BANK t/a FIRST RAND BANK  …......th Respondent/Credit Provider

CONSENT ORDER

The Tribunal, being satisfied that the Applicant and the Respondents are parties to a debt re-arrangement facilitated by a Debt Counsellor under section 86(7)(b) read together with section 138(1) of the National Credit Act, Act 34 of 2005 ;(the Act).

The Tribunal hereby orders that:
1.	The draft consent order formulated as the order of the Tribunal attached hereto and marked Annexure "A" confirmed;
2.	The parties are warned that failure to comply with the order of the Tribunal constitutes an offence in terms of section 160(1) of the Act.

Dated and signed at Centurion this of 2009.

PROF. BONKE DUMISA 
PRESIDING MEMBER

IN THE NATIONAL CONSUMER TRIBUNAL HELD AT CENTURION
 Case No:

In the matter between:
CAMPBELL, SHARON ELIZABETH ................................................ FIRST/ APPLICANT
Identity number: 
And
FIRST NATIONAL BANK a division 
of FIRST RAND BANK .......................................1st RESPONDENT/CREDIT PROVIDER
GRJOENEWALD/LUBBE
 INCORPORATED ATTORNEYS...................... 2nd RESPONDENT/CREDIT PROVIDER
THE MOTOR FINANCE 
CORPORATION t/A MFC .................................3RD RESPONDENT/CREDIT PROVIDER
TRUTER JAMES DE RIBBER............................4th RESPONDENT/CREDIT PROVIDER
WOOLWORTHS ................................................5th RESPONDENT/CREDIT PROVIDER

DRAFT CONSENT ORDER IN TERMS OF SECTION 86(8) READ TOGETHER WITH SECTION 138 OF THE NATIONAL-CREDIT ACT 34 OF 2005
WHEREAS:
a. The consumer applied for debt review in terms of the National Credit Act 43 of 2005;
b. The debt counsellor found that the consumer is experiencing difficulty satisfying ail obligations under the credit agreements in a timely manner;
e.   The debt counsellor recommended a restructuring of the payment instalments to all the credit providers, as per the agreement which is attached hereto marked: "Annexure B";
d.   All the respective credit providers and the consumer/applicant consented to this agreement, which-consents are hereto attached marked "Annexure C"
NOW THEREFORE:
The Tribunal, being satisfied that the. Applicant and Respondent are parties to a debt rearrangement facilitated by a debt counsellor under section 86(7) of National-Credit Act, hereby orders, by consent of the parties:
1. That the payment structures of the agreement between the Applicant and the Respondents as set out in Annexure "B", be made an order of the National Consumer Tribunal;
2. Which agreement restructures the payment instalment by extending the payment period as - indicated in Annexure "C"

Creditor	Reference	Annual interest	New
Monthly
Instalment	Balance	Estimated Period in Months	
FIRST NATIONA BANK a division of FIRST RAND BANK	8855300000011414	14.00%	Rl 045.60	R45 846.99	38	
GROENEWALD/LUBBE INCORPORATED ATTORNEYS	FB 17187	15.50%	Rl 097.02	R39 710.90	36	
THE MOTOR FINANCE CORPOORATION t/a MFC	CAMPBEL 06101717	17.07%	Rl 687.33	R45 036.53	29	
- TRUTER JAMES DE RIBBER	2523/08	' 15.50%	R493.66	R5 485.42	14	
WOOLWORTHS	4164557555297012	10.00%	R 164.65	R35 370.31	44	
WOOLWORTHS	6007850164501S44	10.00%	R274.26	R5 692.71	23	

REGISTRAR OF THE NATIONAL CONSUMER TRIBUNAL
Applicant/Consumer      
Debt Counsellor on behalf of the Consumer
TO:
THE REGISTRAR OF THE TRIBUNAL CENTURION
1. THE MOTOR FINANCE CORPORATION t/a MFC
CNRCOROBRICK ROAD RAND8URG
MEADOWDALE 2154
EDENVAL
 1610

2. FIRST NATIONA BANK a division of FIRST RAND BANK 
27 DIOGONAL STREET
JOHANNESBURG 2000

3. WOOLWORTHS -CAPE TOWN
93 LONG MAKET STREET
CAPETOWN
8000

4. TRUTER JAMES DERIBBER ' LINCOLN'S INN
1 VICTORIA LANE
 7 MAXWELL STREET 
EMPANGENI 
3880

5. GROENEWALD LUBBE INC 1ST FLOOR REGENT LIFE HOUSE BRAMHOF
6E HERMAN ROAD . DOCEX145
CNRCOROBRICK ROAD RAND8URG
MEADOWDALE 2154
EDENVAL 1610