South Africa: National Consumer Tribunal

January 2018

• National Credit Regulator v Malinga t/a MJ Cash Loans (Pty) Ltd (NCT/91476/2017/57(1)NCA) [2018] ZANCT 2 (2 January 2018)
• SA Taxi Securitisation (Pty) Ltd v National Credit Regulator (NCT/31877/2015/56(1)) [2018] ZANCT 1 (3 January 2018)
• National Credit Regulator v Nkuta (NCT/78403/2017/57(1)(NCA)) [2018] ZANCT 27 (4 January 2018)
• National Credit Regulator v Self Discovery Cash and Marketing CC (NCT/71714/2016/140(1)) [2018] ZANCT 28 (9 January 2018)
• Singh v Firstrand Bank Limited (NCT/783965/2017/141(1)R34) [2018] ZANCT 6 (16 January 2018)
• Curtis v Validus Trading 100CC t/a Signature Motors & Wholesalers (NCT/89986/ 2017/75(1)) [2018] ZANCT 11 (26 January 2018)

February 2018

• Mogotsi v Car Finance Company and Another (NCT/85798/2017/75(1)) [2018] ZANCT 18 (4 February 2018)
• Nedbank Limited v Sager and Others (NCT/91421/2017/165) [2018] ZANCT 17 (5 February 2018)
• Malela v Capitec Bank Limited (NCT93576/2017/148) [2018] ZANCT 12 (6 February 2018)
• Tengizak CC v National Credit Regulator (NCT/91474/2017/57(1)) [2018] ZANCT 19 (6 February 2018)
• Malela v Capitec Bank Limited (NCT 93576/2017/148) [2018] ZANCT 151 (6 February 2018)
• Sager v Cokile and Others (NCT/75349/2017/138(1)(P)) [2018] ZANCT 7 (7 February 2018)
• National Credit Regulator v Imbizo Cash Loans CC (NCT/91478/2017/57(1)) [2018] ZANCT 23 (19 February 2018)
• Ariyan v Absa Bank Limited and Another (NCT/82594/2017/141(1)) [2018] ZANCT 5 (22 February 2018)
• National Credit Regulator v Murphy and Sons Cash Loans CC (NCT/82548/2017/57(1)) [2018] ZANCT 14 (23 February 2018)
• Henning v South Cape Auto (Pty) Ltd (NCT/94740/2017/75(1)(b)) [2018] ZANCT 10 (26 February 2018)
• Sager obo Mthembu and Another v Absa Bank Limited and Others (NCT/94589/2017/165) [2018] ZANCT 22 (26 February 2018)
• National Credit Regulator v A-Z Micro Loans CC (NCT/78949/2017/57(1)) [2018] ZANCT 3 (28 February 2018)
• National Credit Regulator v A-Z Micro Loans CC (NCT/78949/2017/57(1)) [2018] ZANCT 15 (28 February 2018)
• Swuhana v National Credit Regulator (NCT/96399/2017/149(1)) [2018] ZANCT 20 (28 February 2018)
• Vatsha v Shalom Motors (Pty) Ltd (NCT/95174/2017/75(1)(b)) [2018] ZANCT 149 (28 February 2018)

March 2018

• Kruge v First National Bank (NCT/100373/2018//149(1)) [2018] ZANCT 42 (5 March 2018)
• Kruge v First National Bank, a division of FirstRand Limited (NCT/100373/2018/149(1)) [2018] ZANCT 171 (5 March 2018)
• Narsi v Lindsay Sakevereeniging, a Division of the Imperial Group Limited (NCT/82778/2017/75(1)(b)) [2018] ZANCT 25 (13 March 2018)
• Summit Financial Partners (Pty) Ltd v Lewis Stores (Pty) Ltd and Another (NCT/99345/201B/141(1)(b)) [2018] ZANCT 26 (17 March 2018)
• Perumal v South African Motorcycles (Pty) Ltd t/a Big Boy Scooters (NCT/86201/2017/75(1)(b)) [2018] ZANCT 4 (21 March 2018)
• Edwards v Accordian Investments (Pty) Ltd (NCT/82942/ 2017/75(1)(b)) [2018] ZANCT 9 (22 March 2018)
• National Credit Regulator v Gauteng Motors CC (NCT/78954/2017/140(1)) [2018] ZANCT 13 (25 March 2018)
• Stemmet v Motus Corporation (Pty) Ltd t/a Milnerton Multifranchise (NCT/83884/2017/75(1)(b)) [2018] ZANCT 21 (25 March 2018)
• Mohibidu v African Bank Limited (NCT/63538/2016/141(1)) [2018] ZANCT 29 (29 March 2018)

April 2018

• National Credit Regulator v Bnglan Trading CC t/a Bnglan Cash Loans (NCT/91472/2017/57(1)(NCA)) [2018] ZANCT 71 (9 April 2018)
• National Credit Regulator v Steven Engelbrecht and Heinrich Neuhoff T/A HS Microloans (NCT/74807/2017/57(1)) [2018] ZANCT 112 (11 April 2018)
• Netshivhuyu v Kia Motors South Africa (Pty) Ltd t/a Kia Hatfield (NCT/96644/2017/75(1)(b)) [2018] ZANCT 31 (14 April 2018)
• National Credit Regulator v Engelbrecht and Another (NCT/74807/2017/57(1)) [2018] ZANCT 158 (16 April 2018)
• Singh v MFC, A Division of Nedbank Limited; In Re MFC, A Division of Nedbank Limited v Singh (NCT/94274/2017/141) [2018] ZANCT 52 (23 April 2018)
• Singh v MFC, A Division of Nedbank Limited (NCT/94274/2017/141) [2018] ZANCT 113 (23 April 2018)
• Cronje and Another v Standard Bank of SA LTD (NCT/78800/2017/140(1)) [2018] ZANCT 33 (24 April 2018)

May 2018

• National Consumer Commission v Alibi Propos 1028 BK t/a Midicity Motors (NCT/85200/2017/73(2)) [2018] ZANCT 64 (10 May 2018)
• National Consumer Commission v Alibi Propos 1028 BK t/a Midicity Motors (NCT/85200/2017/73(2)) [2018] ZANCT 163 (10 May 2018)
• First National Bank, (A division of FirstRand Bank Limited) v Naidoo (NCT/99995/2018/148) [2018] ZANCT 44 (11 May 2018)
• Zamisa v NMI Durban South Coast Motors (PTY) LTD T/A Union Motors South Coast (NCT/84084/2017/75(1)) [2018] ZANCT 128 (13 May 2018)
• Dramat v Scoin Trading (Pty) Ltd (NCT/87734/2017/75(1)(b)) [2018] ZANCT 54 (14 May 2018)
• National Credit Regulator v DFP Community Financial Service (Pty) Ltd, trading as Money Box (NCT/91471/2017/140(1)) [2018] ZANCT 43 (15 May 2018)
• Vatsha v Shalom Motors (Pty) Ltd (NCT/95174/2017/75(1)(b)) [2018] ZANCT 67 (15 May 2018)
• National Credit Regulator v Gaba Cash Loans CC (NCT/91475/2017/57(1)) [2018] ZANCT 76 (24 May 2018)
• Samuel v National Credit Regulator (NCT/91811/2017159(1)) [2018] ZANCT 65 (26 May 2018)
• Samuel v National Credit Regulator (NCT/91811/2017/59(1)) [2018] ZANCT 79 (26 May 2018)
• National Credit Regulator v Quick Step Finance (Pty) Ltd (NCT/71764/2016/140(1)) [2018] ZANCT 90 (28 May 2018)
• Motor Finance Corporation v National Credit Regulator (NCT/31680/2017/140(1)(P)NCA) [2018] ZANCT 127 (28 May 2018)
• Samuel v National Credit Regulator (NCT/91811/2017/59(1)) [2018] ZANCT 174 (30 May 2018)

June 2018

• National Consumer Commission v Peters Auto Care CC (NCT/105530/2018/73(2)(b)) [2018] ZANCT 160 (1 June 2018)
• BMW Financial Services (SA) (Pty) Ltd v National Credit Regulator and Another; In Re BMW Financial Services v National Credit Regulator; In Re Volkswagen Financial Services (SA) (Pty) Ltd v National Credit Regulator (NCT/93829/2017/56(1)) [2018] ZANCT 49 (5 June 2018)
• BMW Financial Services (SA) (PTY) Ltd v National Credit Regulator (NCT/93829/2017/56(1)) [2018] ZANCT 98 (5 June 2018)
• Whitson v First National Bank A Division of Firstrand Bank Limited (NCT/90452/2017/141(1)) [2018] ZANCT 36 (8 June 2018)
• First National Bank, (A Division of FirstRand Bank limited) v Naidoo (NCT/99995/2018/148) [2018] ZANCT 104 (8 June 2018)
• Foschini Retail Group (PTY) LTD v National Credit Regulator , In re : National Credit Regulator v Foschini Retail Group (PTY) LTD (NCT/84881/2017/140(1)NCA) [2018] ZANCT 105 (8 June 2018)
• Whitson v First National Bank a Division of Firstrand Bank Limited (NCT/90452/2017/141(1)) [2018] ZANCT 109 (8 June 2018)
• Cronje and Another v Standard Bank of SA Ltd (NCT/103657/2018/141(1)) [2018] ZANCT 34 (11 June 2018)
• Foschini Retail Group (Pty) Ltd v National Credit Regulator; In re: National Credit Regulator v Foschini Retail Group (Pty) Ltd (NCT/84881/2017/140(1) NCA - Rule 34) [2018] ZANCT 35 (11 June 2018)
• Mr Price Group Limited v National Credit Regulator; In re: National Credit Regulator v Mr Price Group Limited (NCT/81672/2017/140(1)) [2018] ZANCT 37 (11 June 2018)
• Cronje and Another v Standard Bank of SA LTD (NCT/103657/2018/141(1)) [2018] ZANCT 103 (11 June 2018)
• National Credit Regulator v Hartney and Another (NCT/104573/2018/140(1)) [2018] ZANCT 164 (11 June 2018)
• Zamisa v NMI Durban South Coast Motors (Pty) Ltd t/a Union Motors South Coast (NCT/84084/2017/75(1)) [2018] ZANCT 38 (13 June 2018)
• The Motor Finance Corporation (MFC), A Division of Nedbank Limited v Benay Sager and Others (NCT/105280/2018/165) [2018] ZANCT 74 (13 June 2018)
• Nivasol CC Trading as Brother Cash Loans v National Credit Regulator (NCT/100942/2018/57(1) Rule 34) [2018] ZANCT 40 (14 June 2018)
• Maake v Diesel Performance Trucks and Bus (Pty) Ltd (NCT/101328/2018/75(1)(b)) [2018] ZANCT 41 (14 June 2018)
• National Credit Regulator v Yellow Thunder Properties No. CC t/a Kimberly Micro Loans (NCT/102394/2018/140(1)R34) [2018] ZANCT 69 (15 June 2018)
• National Credit Regulator v Yellow Thunder Properties No. 160 CC t/a Kimberly Micro Loans (NCT/102394/2018/140(1)R34) [2018] ZANCT 117 (15 June 2018)
• Singh v Motor Finance Corporation, A Division of Nedbank Limited (NCT/94274/2017/141(1)) [2018] ZANCT 72 (19 June 2018)
• Singh v Motor Finance Corporation,A Division of Nedbank Limited (NCT/94274/2017/141(1)) [2018] ZANCT 101 (19 June 2018)
• Amith Kedhar Singh v Motor Finance Corporation, A Division of Nedbank Limited (NCT/94274/2017/141(1)) [2018] ZANCT 102 (19 June 2018)
• Ruyobeza v Telkom SA SOC (Ltd) (NCT/94271/2017/141(1)) [2018] ZANCT 80 (20 June 2018)
• Hennig v South Cape Auto (Pty) Ltd t/a Hyundai (NCT/94740/2017/75(1)(b)) [2018] ZANCT 66 (25 June 2018)
• National Credit Regulator v Khululeka Cash Loans CC (NCT/98951/2018/140(1)) [2018] ZANCT 68 (25 June 2018)
• Marong Rong Cash Loans CC v National Credit Regulator In Re: National Credit Regulator v Marong Rong Cash Loans CC (NCT/98839/2018/57(1) NCA) [2018] ZANCT 53 (26 June 2018)
• Mosana v Kempster Sedwick (Pty) Ltd t/a CMH Volvo Silver Lakes (NCT /95011/2017/75(1)(b)) [2018] ZANCT 93 (27 June 2018)
• Springside Investment (Pty) Ltd v Viking Fishing Company (Pty) Ltd (NCT/104417/2018/75(1)(b)) [2018] ZANCT 94 (27 June 2018)
• Ngoza v Roque Quality Cars CC (NCT/79905/ 2017/73(3) &75(1)(b)) [2018] ZANCT 70 (28 June 2018)
• Nedbank Limited t/a The Motor Finance Corporation v National Credit Regulator (NCT/31680/2017/140(1)(P)) [2018] ZANCT 75 (28 June 2018)
• Nedbank Limited t/a The Motor Finance Corporation v National Credit Regulator (NCT/31680/2017/140(1)(P)) [2018] ZANCT 89 (28 June 2018)
• Ngoza v Roque Quality Cars CC (NCT/79905/2017/73(3)&75(1)(b)) [2018] ZANCT 110 (28 June 2018)
• National Credit Regulator v Khululeka Cash Loans CC (NCT/98951/2018/140(1)) [2018] ZANCT 173 (28 June 2018)
• Chetty v Bidvest McCarthy Volkswagen Umhlanga (Pty) Ltd (NCT/105595/2018/75(1)(b)) [2018] ZANCT 87 (29 June 2018)
• Chetty v Bidvest McCarthy Volkswagen Umhlanga (Pty) Ltd (NCT/105595/2018/75(1)(b)) [2018] ZANCT 153 (29 June 2018)

July 2018

• National Credit Regulator v Tengizak CC (NCT/91474/2017/57(1)) [2018] ZANCT 47 (2 July 2018)
• Mlotshwa v NTT Motor Investment (Pty) Ltd t/a NTT Nissan, Ladysmith (NCT/81252/2017/75(1) (b)) [2018] ZANCT 78 (3 July 2018)
• Mahlangu v Quintin King Motor Services (Pty) Ltd (NCT/96878/2017/75(1)(b)) [2018] ZANCT 81 (3 July 2018)
• National Credit Regulator v PCL Trust t/a PCL Cash Loans-Louis Trichardt (NCT/103940/2018/57(1)) [2018] ZANCT 85 (4 July 2018)
• Mashefha Financial Services CC v National Credit Regulator (NCT/103931/2018/57(1)) [2018] ZANCT 84 (11 July 2018)
• Dramat v Scoin Trading (PTY) LTD (NCT/87734/2017/75(1)(b)) [2018] ZANCT 95 (16 July 2018)
• Stemmet v Motus Corporation (Pty) Ltd t/a Milnerton Multi Franchise (NCT/83884/2017/75(1)) [2018] ZANCT 150 (18 July 2018)
• National Credit Regulator v Hartney and Another (NCT/104573/2018/140(1)) [2018] ZANCT 86 (20 July 2018)
• National Consumer Commission v Highends Trading and Projects (Pty) Ltd t/a Highends Auto Services (NCT/101932/2018/73(2)(b)) [2018] ZANCT 55 (22 July 2018)
• Auto Glen Motors (Pty) Ltd t/a Auto Glen v Barnes In Re: Barnes v Auto Glen Motors (Pty) Ltd t/a Auto Glen (NCT/106425/2018/148(1)) [2018] ZANCT 51 (23 July 2018)
• Nwadeyi v Tiegert Trucking CC (NCT/106318/2018/75(1)(b)) [2018] ZANCT 62 (24 July 2018)
• Nwadeyi v Tiegert Trucking CC (NCT/106318/2018/75(1)(b)) [2018] ZANCT 129 (24 July 2018)
• National Credit Regulator v Bella Beleggings (Pty) (Ltd) (NCT/105130/2018/140(1)) [2018] ZANCT 61 (30 July 2018)
• Absa Bank Ltd v Sager and Others (NCT/108118/2018/165) [2018] ZANCT 50 (31 July 2018)

August 2018

• Maree v Nissan SA (Pty) Ltd (NCT/95354/2017/75(1)(b)) [2018] ZANCT 58 (1 August 2018)
• Govender v Advance Pools CC (NCT/107447/2018/75(1)(b)) [2018] ZANCT 63 (2 August 2018)
• Letsoalo v McCarthy LTD T/A Bidvest McCarthy Land Rover & Jaguar Midrand (NCT/107136/2018/75(1)(b)) [2018] ZANCT 114 (4 August 2018)
• Baderon v Volkswagen Claremont (Pty) Ltd (NCT/94930/2017/75(1)) [2018] ZANCT 92 (7 August 2018)
• Mtshotshisa v J.A Mag Investments t/a Motor Accident Group (NCT/95254/2017/75(1)(b)) [2018] ZANCT 169 (13 August 2018)
• Gogwana v Border Aluminium (Pty) Ltd (NCT/97615/2017/75(1)(b)) [2018] ZANCT 59 (16 August 2018)
• National Credit Regulator v Lessing Cash Loans CC (NCT/85011/2017/140(1)) [2018] ZANCT 159 (17 August 2018)
• Summit Financial Services (Pty) Ltd v Lewis Stores (Pty) Ltd and Another (NCT/99345/2018/141(1)(b)) [2018] ZANCT 48 (19 August 2018)
• Summit Financial Services (PTY) LTD v Lewis Stored (PTY) LTD and Another (NCT/99345/2018/141(1)(b)) [2018] ZANCT 130 (19 August 2018)
• Samuel v National Credit Regulator (NCT/91811/2017/59(1)NCA) [2018] ZANCT 57 (23 August 2018)
• National Credit Regulator v Sewatumong Micro Lending CC t/a Sewatumong Cash Loans (NCT/107809/2018/57(1)) [2018] ZANCT 46 (27 August 2018)
• Louhen Konsultante (Valhalla I) CC t/a Cash Moolah v National Credit Regulator (NCT/98829/2018/57(1) Rule 34) [2018] ZANCT 73 (27 August 2018)
• Mabandla v McCarthy Limited T/A Mercedez Benz Fountains (NCT/109968/2018/75(1)(b)) [2018] ZANCT 111 (27 August 2018)
• Louhen Konsultante (Valhalla l) CC T/A Cash Moolah v National Credit Regulator (NCT/98829/2018/57(1) Rule 34) [2018] ZANCT 118 (27 August 2018)
• National Credit Regulator v Marong Rong Cash Loan CC (NCT/98839/2018/57(1)) [2018] ZANCT 147 (29 August 2018)
• National Credit Regulator v Nivasol CC t/a Brother Cash Loans (NCT/100942/2018/57(1)) [2018] ZANCT 83 (31 August 2018)
• National Consumer Commission v Global Booming Investment CC (NCT/110729/2018/74(1)) [2018] ZANCT 88 (31 August 2018)
• National Consumer Commission v Global Booming Investment cc (NCT/110729/2018/74(1)) [2018] ZANCT 116 (31 August 2018)
• National Credit Regulator v Nivasol CC Trading As Brother Cash Loans (NCT/100942/2018/57(1)) [2018] ZANCT 120 (31 August 2018)
• National Credit Regulator v Tengizak CC (NCT/91474/2017/57(1)) [2018] ZANCT 156 (31 August 2018)

September 2018

• Ralph v Auto C Motorworx CC (NCT/109285/2018/75(1)(b)) [2018] ZANCT 77 (4 September 2018)
• Ralph v Auto C Motorworx CC (NCT/109285/2018/75(1)(b)) [2018] ZANCT 131 (4 September 2018)
• Donald v Sager and Others (NCT/109813/2018/165) [2018] ZANCT 154 (6 September 2018)
• Semelane v Cargo Motors Klerksdorp, A Division Of Imperial Group (Pty) Ltd (NCT/90119/2017/75(1)) [2018] ZANCT 155 (9 September 2018)
• Mortgage Secured Finance (Pty) Ltd v National Credit Regulator (NCT/88262/2017/56(1)) [2018] ZANCT 123 (20 September 2018)
• Absa Bank Limited v Senay Sager and Others (NCT/112462/2018/165) [2018] ZANCT 126 (20 September 2018)
• Tshehla v Aucamp Eiendomsbeleggings t/a CA Motors (NCT/95341/2017/75(1)(b)) [2018] ZANCT 124 (21 September 2018)

October 2018

• Cronje and Another v Standard Bank of South Africa Limited (NCT/110384/2018/148(1)) [2018] ZANCT 135 (4 October 2018)
• Mdluli v Jermaine Investments & Projects (Pty) Ltd (NCT/109750/2018/75(1)(b)) [2018] ZANCT 143 (9 October 2018)
• National Credit Regulator v XY Fashions Trading (Pty) Ltd Trading as XY Money Loan (NCT107817/2018/57(1)) [2018] ZANCT 167 (9 October 2018)
• Mostert v ERF 261 Nylstroom Beleggings CC t/a Cash Converters Modimolle (NCT/112706/2018/99(2)) [2018] ZANCT 97 (10 October 2018)
• Govender and Another v Advance Pools CC (NCT/107447/2018/75(1) (b)) [2018] ZANCT 106 (10 October 2018)
• Imperial Group LTD T/A Imperial Toyota Bedfordview v Jacobs (NCT/109294/2018/75(1)(b)-Rule 34) [2018] ZANCT 108 (10 October 2018)
• James v Noordhoek Motors (Pty) Ltd t/a Hyundai Pinetown (NCT/103531/2018/75(1)(b)) [2018] ZANCT 96 (11 October 2018)
• Maree v Nissan SA (Pty) Ltd (NCT/95354/2017/75(1)(b)) [2018] ZANCT 133 (16 October 2018)
• National Credit Regulator v Sebastiaan (NCT/104029/2018/57(1)) [2018] ZANCT 134 (16 October 2018)
• Elavation Trading CC t/a Xcelsior Financial Services and Another v National Credit Regulator (NCT/111201/2018/57(1)) [2018] ZANCT 137 (17 October 2018)
• Hennig v South Cape Auto (Pty) Ltd t/a Hyundai (NCT/110709/2018/148(1)) [2018] ZANCT 136 (23 October 2018)
• National Credit Regulator v Umsuka WeMali Finance (Pty) (Ltd) (NCT/91477/2017/140(1)) [2018] ZANCT 132 (24 October 2018)
• National Credit Regulator v Muhammed trading as Nghilichi Financial Serices (NCT/113130/2018/57(1)) [2018] ZANCT 162 (26 October 2018)
• Chetty v Bidvest MnCarthy Volkswagen (Pty) Ltd (NCT/105595/2018/75(1)(b)) [2018] ZANCT 138 (29 October 2018)
• National Credit Regulator v Nivasol CC t/a Brother Cash Loans (NCT/100942/2018/57(1)) [2018] ZANCT 142 (29 October 2018)
• Maake v Diesel Performance Trucks & Bus (Pty) Ltd (NCT/101328/2018/75(1)(b)) [2018] ZANCT 146 (29 October 2018)
• Lubisi v Imperial Select Multifranchise (Pty) Ltd t.a East Rand Multifranchise (NCT/100164/2018/148(1)) [2018] ZANCT 141 (30 October 2018)
• National Consumer Commission v Heronbridge College NPC (NCT/111464/2018/73(2)(b)) [2018] ZANCT 157 (31 October 2018)

November 2018

• National Credit Regulator v Good Friends Cash Loans (Pty) Ltd (NCT-112957/2018/57(1)) [2018] ZANCT 165 (2 November 2018)
• Ralph v Auto Motorworx CC (NCT/109285/2018/75(1)(b)) [2018] ZANCT 148 (5 November 2018)
• Netshivhuyu v Kia Motors South Africa (Pty) Limited t/a Kia Hatfield (NCT/96644/2017/75(1)(b)) [2018] ZANCT 144 (12 November 2018)
• Swuhana v National Credit Regulator (NCT110583/2018/148(1)) [2018] ZANCT 170 (16 November 2018)
• Pam's Financial Services (Pty) Ltd v National Credit Regulator, In Re: National Credit Regulator v Pam's Financial Services (Pty) Ltd (NCT/113255/2018/57(1) Rule 34) [2018] ZANCT 145 (19 November 2018)

December 2018

• Bambeni v Nedbank Limited (NCT/116313/2018/141(1)(b)) [2018] ZANCT 166 (3 December 2018)
• National Credit Regulator v Wangshida Trading CC t/a Fast Forward Cash Loans (NCT/103942/2018/140(1)) [2018] ZANCT 168 (4 December 2018)
• National Credit Regulator v Mr Price Group Limited (NCT/81672/2017/140(1)) [2018] ZANCT 140 (10 December 2018)
• Marianne v South Cape Auto (Pty) Ltd t/a Hyundai (NCT/94740/2017/75(1)(b)) [2018] ZANCT 139 (16 December 2018)
• National Credit Regulator v CAI LI Trading CC T/A Bhuti Cash Loans (NCT/115749/2018/57(1)) [2018] ZANCT 161 (16 December 2018)