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The murky world of loan sharks

The murky world of loan sharks

Once you borrow money from a loan shark, you will be indebted to them for life. City Press has received an increase in the number of readers complaining about loan sharks as illegal moneylenders or mashonisa operate across the country, using...

Time to question that garnishee order

Time to question that garnishee order

If you have an emolument attachment order (garnishee order), contact the Credit Ombud to find out whether or not it is legal. Recently, a landmark ruling raised questions about the legality of many emolument attachment orders (EAOs), commonly known...

Pay back that study loan!

Pay back that study loan!

Credit Ombud Manie van Schalkwyk explains why it's vital that students pay back their study loans. Thousands of students rely on study loans to see them through their years of studying at tertiary institutions. Without these loans, many would not...

Spotlight on garnishee orders

Spotlight on garnishee orders

A task team headed by Credit Ombud Manie van Schalkwyk has been established to investigate current practices and  establish a code of conduct to address concerns that emolument attachment orders, loosely referred to as garnishee orders, are...

Profile of a reckless lending case

Profile of a reckless lending case

Without a proper record of credit, can a provider be responsible for reckless lending asks Maya Fisher-French How does someone get into the position where their debt levels reach 217% of their income and who is responsible? While a desperate...

Debt collection: Know your rights

Debt collection: Know your rights

Nicky Campbell, consumer lawyer and author of the DIY Credit Repair toolkit says that harassment is common in the debt collection industry. Such harassment often leads to the consumer signing an acknowledgement of debt or making some sort of...