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[2010] ZANCT 5
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Segele v African Bank Ltd and Others (NCT/ 278/2009/138 (1)(P)) [2010] ZANCT 5 (14 January 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 IN CENTURION
Case Number: NCT/ 278/2009/138 (1)(P)
Date:14/10/2010
In the matter between:
KENEUOE REGINA SEGELE.................................................................... Applicant/Consumer
ID:
and
AFRICAN BANK LIMITED. …......................................................................1st Respondent/Credit Provider
FIRST
NATIONAL BANK t/a FIRST RAND
BANK....................................2nd
Respondent/Credit Provider
HEALTH-WORX
CENTURION....................................................................3rd
Respondent/Credit Provider
MARKHAMS a division of FOSHINI RETAIL GROUP (PTY) LTD
4th
Respondent/Credit Provider
REVENUE CONSULTING (PTY) LTD t/a
REVCO...................................5th
Respondent/Credit Provider
TRUWORTHS
LIMITED...............................................................................6th
Respondent/Credit Provider
WOOLWORTHS...........................................................................................7th Respondent/Credit Provider
WESBANK t/a a division of FIRST RAND BANK....................................8th Respondent/Credit Provider
CONSENT ORDER
The Tribunal having read the papers filed of record and heard the Debt Counsellor;
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_____14_____ day of January 2010
PROF TANYA WOKER
PRESIDING MEMBER
IN
THE NATIONAL CONSUMER TRIBUNAL
HELD AT CENTURION
Case No:
In the matter between:
SEGELE, KENEUOE REGINA........................................................ CONSUMER/APPLICANT
Identity number:
And
AFRICAN BANK LIMITED............................................ 1st RESPONDENT/CREDIT POVIDER
FIRST NATIONAL BANK t/a FIRST RAND BANK......2ND RESPONDENT/CREDIT POVIDER
HEALTH-WORC CENTURION.................................. 3RD RESPONDENT/CREDIT POVIDER
MARKHAMS a division of FOSCHINI
RETAIL-GROUP (PTY) LTD.........................................4th RESPONDENT/CREDIT POVIDER
REVENUE CONSULTING (PTY) LTD t/a
REVCO.........................................................................5th RESPONDENT/CREDIT POVIDER
TRUWORTHS LIMITED ….............................................6th RESPONDENT/CREDIT POVIDER
WOOLWORTHS ….......................................................7th RESPONDENT/CREDIT POVIDER
WESBANK t/a a division of FIRST RAND BANK......... 8th RESPONDENT/CREDIT POVIDER
DRAFT CONSENT ORDER IN TERMS OF SECTION 86(8) READ TOGETHER WITH SECTION 138 OFTHE 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 all obligations under the credit agreements 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 85(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 |
AFRICAN BANK LIMITED |
6055770001 |
12.57% |
R 197.67 |
R 9 987.25 |
44 |
AFRICAN BANK LI MUTED |
6055770003 |
29.15% |
R 179.89 |
R 6 989.32 |
46 - |
FIRST NATIONAL BANK t/a FIRST RAND BANK |
62072103428 |
18.50% |
R 179.79 |
R 2 493.48 |
17 |
HEALTH-WORX CENTURION |
CES17025 |
15.50% |
R 143.83 |
R 294.13 |
4 |
MARK HAMS a division of FOCHINI RETAIL GROUP (PTY) LTD |
85373079 |
26.00% |
R 179.79 |
R3 014.60 |
21 |
REVENUE CONSULTING (PTY) LTD t/a REVCO • |
60058765/1 |
0.00% |
R 179.79 |
R 4 676.00 |
24 |
TRUWORTHS LIMITED |
10100173636256 |
27.50% |
R 314.98 |
R 8 269-18 |
32 |
WOOLWORTHS |
6007850155691916 |
27.50% |
R 125.75 |
R 2 803.61 |
17 |
WESBANK t/a a division of FIRST RAND BANK |
PWT01228K |
16.69% |
Rl 293.23 |
R75 494.00 |
51 |
DATED at Centurion this the_______________________ day of_______________________ 2009
REGISTRAR OF THE NATIONAL CONSUMER TRIBUNAL
Applicant/Consumer
Debt Counsellor on behalf of the Consumer TO:
THE REGISTRAT OF THE TRIBUNAL CENTURION
1. AFRICAN BANK LIMITED
59 16th ROAD
MIDRAND
1685
2. FIRST NATIONAL BANK t/a FIRST RAND BANK
27 DIAGONAL STREET
JOHANNESBURG
2000
3. HEALTH-WORX CRESTA
SHOP B201
BLACKHEATH
2194
4. MARKHAMS a division of FOSCHINI REAIL GROUP (PTY)
340 VOORTREKKER ROAD
PARROW EAST
7500
5.
REVENUE CONSULTIN (PTY) LTS t/a REVCO
240 LANGE STREET
GUILD FORUM
NEW MUCLENEUK
PRETRIA
0001
6.
TRUWORTHS LIMITED
1 MOSTER STREET
CAPE TOWN
8000
7. WOOLWORTHS
93 LONG MAKET STREET
CAPE TOWN
7500
8. WESBANK t/a a division of FIRST RAND BANK
WESBANK HOUSE
ENTERPRISE ROAD
FAIRLAND
JOHANNESBURG
2000