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Collett v JDG Trading (Pty) Ltd and Others (NCT/15719/2014/138(1)(P)) [2015] ZANCT 2 (28 February 2015)

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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 PRETORIA

Case Number: NCT/15719/2014/138(1)(P)

In the matter between:

CHRISTINA MARGOT COLLETT..................................................................Consumer/ Applicant

ID: […]



AND



JDG TRAIDING (PTY) LTD.............................................................1st Respondent/Credit provider

WOOLWORTHS (PTY) LTD.....................................................;.....2nd Respondent/Credit provider

THE MOTOR FINANCE CORPORATION (PTY)

LTD T/A MFC....................................................................................3rd Respondent/Credit provider

TELKOM SA LTD.............................................................................4th Respondent/Credit provider

ABSA BANK LIMITED...................................................................5th Respondent/ Credit provider

CONSENT ORDER

The Tribunal, having read the papers filed of record and being satisfied that the Applicant(s) and the Respondent(s) are parties to a debt re-arrangement facilitated by a Debt Counsellor under section 86(7)(b) read with section 138(1) of the National Credit Act, Act 34 of 2005 ( the Act), hereby  makes the following order:

1. The payment structure between the applicant/consumer and the  respondent(s)/credit provider(s) and as set out in the table below is confirmed as an order of the Tribunal in terms of section 150 of the Act;

 

No

Creditor

Reference

Balance

New Monthly Instalment

Annual Interest

Estimated Repayment Period

1

JGD Trading

0006365290970191188

R 1250.42

R 95.51

17.29%

15 months

2

Woolworths

6007850376416010

R2 450.07

R125.13

14.46%

23 months

3

Vehicle Finance- MFC

56769320011

R19 678.57

R1 104.69

12.34%

21 months

4

Telkom SA Ltd

3025894299007362011

R 1 756.31

R78.16

00.00%

22 months

5

Credit Card- ABSA

5471205125205015

R 38 090.75

R 1 206.36

14.11%

38 months



2. The parties’ attention is drawn to sections 71(1), 71(5)(a) and 152 of the Act which states as follows:

Section 71(1)

A consumer, whose debts have been re-arranged in terms of Part D of this Chapter, may apply to a debt counselor at any time for a clearance certificate relating to the debt re-arrangement.

Section 71(5)

Upon receiving a copy of a clearance certificate, a credit bureau, or the national credit register must expunge from its records –

(a) The fact that the consumer was subject to the relevant debt re-arrangement order or agreement…

Section 152

Any decision, judgment or order of the Tribunal may be served, executed and enforced as if it were an order of the High Court…

3. 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 PRETORIA on this 28th day of February 2015. 

MR FK SIBANDA

PRESIDING MEMBER

To :

1. The Registrar of the National Consumer Tribunal

Anel Burger

2. Debt Counsellor: Hans Reinhard Petternburger-Perwald NCRDC 49

Unit 9

TimesBusiness Park

37 Blouberg Road

P O Box 11174

Bloubergrant

7443

Tel: 021 556 4935

Fax: 021 556 4937

E-Mail: williamd@debt-therapy.net

3. Consumer: Christina Margot Collett

C8

The Met

Grand National Boulevard

Royal Ascot

Tel: 083 554 9602

And:

4. Credit Providers:

JDG Trading (PTY) LTD                                      Company Reg:  1958/003362/07

300 Kent Avenue

Randburg

2194

P O Box 2125

Johannesburg

2000

Tel: 011 211 1338

Fax: 086 686 1102

E-Mail: jddebtreview@jdg.co.za

Woolworths (PTY) LTD                                       Company Reg:  1956/000518/07

93 Mongmarket Street

Cape Town 8000

P O Box 680

Cape Town

8000

Tel: 021 407 9111

Fax: 021 407 3957

E-Mail: court@consumerfriend.co.za

The Motor Finance Corporation

 (Pty) Ltd   T/A MFC                                                Company Reg:  1995/006077/07

6E Herman Road

Corobrick

Meadowdale

P. O. Box 4005

Edenvale

1610

Tel: 011 879 9000

Fax: 011 667 6888

E-Mail: debtreview@mfc.co.za



Telkom SA LTD                                                     Company Reg:  1991/005476/06

296 Pine Street

Centrex Building

Durban

4001

P O Box 970

Durban

4000

Tel: 011 337 9088

Fax: 088031671109

E-Mail: xolosd@telkom.co.za



ABSA Bank Limited                                   Company Reg:  1986/004794/06

8th Floor Marble Towers

Cnr Jeppe and Von Weilligh Street

P O Box 8686

Johannesburg

2000

Tel: 0861 005 901

Fax: 0865 848 662

E-Mail: CourtApp@absa.co.za