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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