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Makume and Another v Absa Bank Ltd and Others (NCT/ 474/2010/138 (1)(P)) [2010] ZANCT 39 (14 April 2010)

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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 AT CENTURION


Case no: NCT/ 474/2010/138 (1)(P)

DATE: 14/04/2010


In the matter between:



LENONG JULIUS MAKUME............................................................1st Applicant /Consumer
ID:

MAPOLO PAULINA MAKUME.......................................................2nd Applicant/ Consumer

ID:

and

ABSA BANK LTD.................................................................1st Respondent/ Credit Provider

ADDCON (PTY) LTD...........................................................2nd Respondent/Credit Provider

AFRICAN BANK LTD...........................................................3rd Respondent/Credit Provider

EDCON (PTY) LTD 4th...............................................................Respondent/ Credit Provider
(Jet Stores account)

JDG TRADING FINANCIAL SERVICES (PTY) LTD...........5th Respondent/ Credit Provider

LEWIS STORES (PTY) LTD...............................................6th Respondent/ Credit Provider

NEDBANK LTD...................................................................7th Respondent/ Credit Provider


CONSENT ORDER


The Tribunal having read the papers filed of record and heard the Debt Counsellor, Mr A Strydom;

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" is 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 on this 14th day of April 2010



ADV NEO SEPHOTI

PRESIDING MEMBER

IN THE NATIONAL CONSUMER TRIBUNAL
HELD AT CENTURION


CASE NO.


In the matter between:

Lenong Julias Makume.....................................................................1st Applicant/Consumer

Identity number:

And

Mapolo Paulina Makume.................................................................2nd Applicant/Consumer

Identity number:


AND

Absa Bank Limited................................................................1st Respondent/Credit Provider

Addcon (Pty) Ltd..................................................................2nd Respondent/Credit Provider
(Real People Account)

African Bank Limited............................................................3rd Respondent/Credit Provider

Edcon (Pty) Ltd.....................................................................4th Respondent/Credit Provider
(Jet Stores Accounts)

JDG Trading Financial Services (Pty) Ltd ...5th Respondent/Credit Provider (Joshua Doore Account)

Lewis Stores (Pty) Ltd..........................................................6th Respondent/Credit Provider

Nedbank Limited...................................................................7th 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 34 of2005;


b. The debt counsellor found that the consumer is experiencing difficulty satisfying all obligations under the credit agreement in a timely manner;


c. 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 the 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 installment by extending the payment period as indicated in Annexure "B"


Creditor

Reference

Annual Interest

New Monthly Installment

Balance

Estimated Period in Months

Absa Bank Ltd

4038220093053000

11.00%

R100.00

R2 242.75

30 months

Addcon (Pty) Ltd

Real People Acc 4325756

4202250

15.50% 15.50%

R68.25 R55.25

R3 505.75 Rl 760.86

70 months 48 months

African Bank Limited

6107672001 6107672003 6107672002

15.50% 15.50% 15.50%

R82.62 R82.07 R193.57

R5 241.95 R4 594.12 R10 650.25

75 months 72 months 71 months

Edcon (Pty) Ltd

Jet Store Acc

700660010OO51783043

20.00%

R130.96

R4 835.88

57 months

JDG Trading

Financial

Services(Pty)Ltd

Joshua Doore Acc 00216-24586-14

00216-24586-06

20.00% 20.00%

R87.ll R87.76

R7 654.00 R3 409.65

83 months 62 months

Lewis Stores (Pty) Ltd

0532-385012-03 0532-385012-02

32.00% 32.00%

R65.65 R94.91

R2 594.05 R2 878.35

78 months 64 months

Nedbank Limited

8152745533401

11.00%

R191.85

R8 822.63

58 months



DATED at Centurion this the day of 2010



REGISTRAR OF THE NATIONAL CONSUMER TRIBUNAL Applied/Consumer

Debt Counsellor on behalf of the Consumer


Dated at on this day of 2010

1st Applicant/Consumer 2nd Applicant/Consumer

TO:


THE REGISTRAR OF THE TRIBUNAL CENTURION



1. Absa Bank Limited

3The Crescent, Westway Office Park

Westville

4000


2. Addcon (Pty) Ltd

P O Box 1592

East London

5201


3. African Bank Limited

59 16th Road

Midrand

1685


4. Edcon (Pty) Ltd

Edgardale Press Ave

Crown Mines

2025



5. JDG Trading Financial Services (Pty)Ltd

300 Kent Avenue

Randburg

2194


6. Lewis Stores (Pty) Ltd

Danew Place

51 Durban Road

Bellville,

7535



7. Nedbank Limited

100 Main Street

Johannesburg

2000