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Van Der Westhuizen and Another v Absa Bank Ltd and Others (NCT/ 475/2010/138 (1)(P)) [2010] ZANCT 41 (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/ 475/2010/138 (1)(P)

DATE:14/04/2010


In the matter between:


LUKAS JACOB THOMAS VAN DER WESTHUIZEN........................1st Applicant/Consumer
ID:

COLEEN CORNELIA VAN DER WESTHUIZEN............................2nd Applicant/ Consumer
ID:

and

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

EDCON (PTY) LTD …..........................................................2nd Respondent/Credit Provider
(Edgards account)

FIRST NATIONAL BANK......................................................3rd Respondent/Credit Provider

CONSUMER FRIEND..........................................................4th Respondent/ Credit Provider
(Foschini account; RCS accounts & Woolworths accounts)

MOTOR FINANCE CORPORATION (PTY) LTD................5th Respondent / Credit Provider

STANDARD BANK OF SA LTD...........................................6th 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:

Lukas Jacob Thomas vd Westhuizen................................................1st Applicant/Consumer

Identity number:

And

Coleen Cornelia vd Westhuizen.......................................................2nd Applicant/Consumer

Identity number:


AND


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

Edcon (Pry) Ltd...................................................................2ND Respondent/Credit Provider
(Edgars Account)

First National Bank................................................................3rd Respondent/Credit Provider

Consumer Friend...................................................................4th Respondent/Credit Provider
(Foschini Account, RCS Accounts & Woolworths Accounts)

Motor Finance Corporation (Pty) Ltd.....................................5th Respondent/Credit Provider

Standard Bank of SA Ltd.......................................................6th 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 of 2005
;


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

4069301077

7.00%

R200.00

R6 891.54

39 months

Edcon (Pty) Ltd

Edgars Acc

7000100100109168849

20.00%

R215.00

R8 053.40

55 months

First National Bank

3000012122828

9.40%

R4 000.00

R833 297.14

209 months


1479980001501355

27.00%

R429.34

R7 891:96

26 months

Consumer Friend

Foschini Acc

10010000408674981

20.00%

R150.00

R5 872.91

58 months


Woolworths Acc 4103740033096000

10.00%

R500.00

R37 851.13

85 months


Woolworths Acc 6007850164441105

10.00%

Rl 50.00

R6 346.17

50 months


Woolworths Acc 6007851103688384

10.00%

R200.00

Rll 715.52

68 months


RCS Acc

0518020000035060433

16.00%

R200.00

R8 756.22

59 months


RCS Acc

0518020000597065462

16.00%

R200.00

R7 789.23

52 months

Motor Finance Corporation (Ply) Ltd

VAN DER08042255

18.51%

Rl 901.36

R154 617.78

142 months

Standard Bank of SA Ltd

5221266262320921

11.00%

R500.00

R17 901.48

43 months


041125568

11.00%

R127.66

R4 050.30

39 months



Dated at Centurion this day of 2010

Registrar of the National Consumer Tribunal


Applicant/Consumer

Debt Counsellor on behalf of the Consumer

Dated at Sasolburg on this 5 day of February 2010


1st Applicant /Consumer 2nd Applicant/ Consumer




TO:

THE REGISTRAR OF THE TRIBUNAL CENTURION


1. Absa Bank Limited 2. Edcon (Pty) Ltd

3The Crescent, Westway Office Park Edgardale Press Ave

Westville Crown Mines

4000 2025


3. First National Bank 4. Consumer Friend

27 Diagonal Street 3The Crescent
Johannesburg
Westway Office Park
2000
Westville, 4000


5. Motor Finance Corporation 6. Standard Bank of SA Ltd

(Pty) Ltd Standard Bank Centre

PO Box 14415 16th Floor

Hatfield 45 Commissioner Street

0028 Johannesburg

2000