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[2010] ZANCT 41
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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:
The draft consent order formulated as the order of the Tribunal attached hereto and marked "Annexure A" is confirmed;
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:
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