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 Number: NCT/27038/2015/138

In the matter between:
 
IAN ROMER WASON						APPLICANT
NCR REGISTRATION NUMBER: 1817

And

PIETER JOHANNES VAN ZYL 
[6...]
BONNIE VAN ZYL
[7...] 	1ST CONSUMER

2ND CONSUMER

And
                                                                                                
ABSA BANK LIMITED	1ST CREDIT PROVIDER	
AFRICAN BANK LIMITED	2ND CREDIT PROVIDER	
DIRECT AXIS (SA) (PTY) LTD ON BEHALF OF FIRSTRAND BANK LIMITED	3RD CREDIT PROVIDER	
EDCON (PTY) LTD T/A EDGARS	4TH CREDIT PROVIDER	
FIRST NATIONAL BANK, A DIVISION OF FIRSTRAND BANK LIMITED	5TH CREDIT PROVIDER	
FOSCHINI RETAIL GROUP (PTY) LTD	6TH CREDIT PROVIDER	
MASS STORES (PTY) LTD	7TH CREDIT PROVIDER	
MOTOR FINANCE CORPORATION, A DIVISION OF NEDBANK LIMITED	8TH CREDIT PROVIDER	
MR PRICE, A DIVISION OF THE MR PRICE GROUP LIMITED	9TH CREDIT PROVIDER	
NEDBANK LIMITED	10TH CREDIT PROVIDER	
SA HOME LOANS (PTY) LTD	11TH CREDIT PROVIDER	
STANDARD BANK OF SOUTH AFRICA LIMITED	12TH CREDIT PROVIDER	
TRUWORTHS LIMITED	13TH CREDIT PROVIDER	
WESBANK, A DIVISION OF FIRSTRAND BANK LIMITED	14TH CREDIT PROVIDER	
WOOLWORTHS (PTY) LTD	15H CREDIT PROVIDER	

VARIED CONSENT ORDER

The original order on this matter was issued on 10 December 2015. The Applicant subsequently applied for a variation of the order in September 2016 due to a second Foschini account being omitted in error. The application was granted on 21 February 2017 and order is now varied to include the Foschini account number [0...], which appears in the order as loan number 23. All other details on the original order remain the same as granted originally. 

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 consumer (s)and the credit  provider(s) is confirmed as an order of the Tribunal in terms of section 150 of the Act

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                	Credit Provider                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 	Reference                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       	Outstanding
Capital	Proposed Payment Period	Proposed Annual Interest	Proposed Instalment	Monthly Fees	Monthly Assurance Premium	Life Insurance	Home Owners Cover	
1                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               	NEDBANK LIMITED	5898460901378778                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                	R25,996.01	12	13.50 %	R561.30					
				1	13.50 %	R562.31					
				1	13.50 %	R563.20					
				15	13.50 %	R563.69					
				1	13.50 %	R564.06					
				1	13.50 %	R566.60					
				1	13.50 %	R568.00					
				15	13.50 %	R568.46					
				1	13.50 %	R690.58					
				12	13.50 %	R791.98					
2                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               	NEDBANK LIMITED                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            	5898460819128190                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                	R8,147.70	12	7.50 %	R211.65				
				1	7.50 %	R211.98				
				1	7.50 %	R212.26				
				15	7.50 %	R212.42				
				1	7.50 %	R212.54				
				1	7.50 %	R213.35				
				1	7.50 %	R213.80				
				15	7.50 %	R213.95				
				5	7.50 %	R253.14				
3                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               	EDCON (PTY) LTD T/A EDGARS	7000100100012472023                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             	R7,583.63	1-52	7.75 %	R169.34				
				53	7.75 %	R8.65				
4                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               	MOTOR FINANCE CORPORATION, A DIVISION OF NEDBANK LIMITED	62081900002                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     	R96,985.74	Until Settled	12.00 %	R1,892.78				
5                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               	MR PRICE, A DIVISION OF THE MR PRICE GROUP LIMITED	0101085629                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      	R894.19	Until Settled	7.75 %	R59.83				
6                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               	TRUWORTHS LIMITED	10100119913473                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  	R3,132.17	32	7.75 %	R110.64					
7                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               	WOOLWORTHS (PTY) LTD
	6007850132744341                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                	R10,684.39	52	6.19 %	R235.88			
		
8                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               	ABSA BANK LIMITED	4565466097423018                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                	R3,681.75	1	6.80 %	R25.36					
				12	6.80 %	R75.79					
				1	6.80 %	R75.96					
				1	6.80 %	R76.17					
				1	6.80 %	R76.29					
				15	6.80 %	R76.36					
				1	6.80 %	R76.44					
				17	6.80 %	R76.75					
				1	6.80 %	R95.57					
				1	6.80 %	R107.15					
				1	6.80 %	R113.45					
				1	6.80 %	R125.74					
				1	6.80 %	R142.81					
				1	6.80 %	R86.70					
9                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               	ABSA BANK LIMITED	5470445063415019                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                	R26,586.56	1	6.80 %	R396.10					
				12	6.80 %	R569.78					
				1	6.80 %	R571.09					
				1	6.80 %	R572.70					
				1	6.80 %	R573.60					
				15	6.80 %	R574.09					
				1	6.80 %	R574.72					
				17	6.80 %	R577.06					
				1	6.80 %	R718.51					
				1	6.80 %	R805.58					
				1	6.80 %	R852.99					
10                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              	MASS STORES (PTY) LTD	0005022190100585175                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             	R9,654.59	53	7.41 %	R216.14					
11                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              	STANDARD BANK OF SOUTH AFRICA LIMITED

	5120550300330428                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                	R66,585.35	53	6.71 %	R1,432.93	R66.00				
12                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              	FOSCHINI RETAIL GROUP (PTY) LTD
	0010010000040391069                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             	R468.33	16	8.43 %	R32.12					
13                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              	DIRECT AXIS (SA) (PTY) LTD ON BEHALF OF FIRSTRAND BANK LIMITED	85227920366
 (DAI77650E)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    	R26,631.38	42	7.68 %	R721.85					
14                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              	STANDARD BANK OF SOUTH AFRICA LIMITED	020699581                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       	R239,612.30	50	9.95 %	R6,004.76					
15                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              	FIRST NATIONAL BANK, A DIVISION OF FIRSTRAND BANK LIMITED	4000039093592                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   	R50,713.28	53	9.45 %	R1,307.17		R177.00			
16                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              	WESBANK, A DIVISION OF FIRSTRAND BANK LIMITED	85184619288                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     	R185,882.56	58	8.50 %	R3,650.70					
17                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              	WESBANK, A DIVISION OF FIRSTRAND BANK LIMITED                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       	85218964898
(WGA22919S)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              	R14,245.95	43	8.15 %	R381.35					
18                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              	AFRICAN  BANK LIMITED                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          	9750415E002                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     	R16,228.83	Until Settled	8.23 %	R409.65					
19                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              	AFRICAN  BANK LIMITED                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          	9750415E001                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     	R10,519.05	Until Settled	6.80 %	R275.36					
20                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              	FIRST NATIONAL BANK, A DIVISION OF FIRSTRAND BANK LIMITED	62240999170                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     	R905.55	14	7.75 %	R70.51					
21                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              	SA HOME LOANS (PTY) LTD	1271364                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         	R374,966.34	1	8.20 %	R2,190.48	R40.00		R328.70	R579.55	
				2-15	Variable Rate	R4,372.09					
				16	Variable Rate	R4,378.35					
				17	Variable Rate	R4,383.80					
				18-32	Variable Rate	R4,386.85					
				33	Variable Rate	R4,389.13					
				34	Variable Rate	R4,404.78					
				35	Variable Rate	R4,413.45					
				36-51	Variable Rate	R5,169.88					
				52	Variable Rate	R5,795.64					
				53	Variable Rate	R6,052.16					
				54	Variable Rate	R7,392.73					
				55	Variable Rate	R9,369.39					
				56	Variable Rate	R9,837.01					
				57-58	Variable Rate	R9,856.88					
				59	Variable Rate	R14,166.15					
				60- Paid Until Settled	Variable Rate	R18,820.66					
22                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              	SA HOME LOANS (PTY) LTD

	3669956                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         	R41,193.19	1-12	21.00 %	R1,118.17			R191.78		
				13-24	21.00 %	R1,300.00					
				25-36	21.00 %	R1,500.00					
				37-48	21.00 %	R1,700.00					
				49- Paid Until Settled	21.00 %	R1,900.00					
23	FOSCHINI RETAIL GROUP (PTY) LTD
	[0...]	R3,911.43	58	3.25 %	R70.53					

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 counsellor at any time for a clearance certificate

Section 71(5)

Upon receiving a copy of a clearance certificate, a credit bureau, or the national credit register must expunge from it's records the fact that the consumer was subject to the relevant debt re-arrangement order or agreement

Section 152

Any decision, judgement 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 at CENTURION on 23 February 2017	

	
Presiding Member
Adv. J Simpson	
National Consumer Tribunal