CSR Debt Solutions

07/05/2026

Important Consumer Notice – NRA Consulting & CSR Debt Solutions

29/08/2025

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13/06/2025

*Judge Says No to Car Repossession*

The Western Cape High Court recently considered a case in which a Credit Provider sought a judgment to repossess a motor vehicle after the borrower defaulted on payments under a credit agreement coverer by the National Credit Act (NCA).

Before approaching the Court, the Credit Provider issued the required Section 129 notice, offering the borrower an opportunity to settle the arrears. The borrower responded, expressing willingness to make payment arrangements, but the Credit Provider insisted on no less than 50% of the arrears upfront and the balance within three months.

The borrower, citing financial distress, could not meet these terms and with the Credit provider being adamant in its demands, no agreement was reached and the Credit Provider proceeded with the repossession application.

The Court criticised the Credit Provider for failing to engage meaningfully with the borrower, noting that this approach conflicted with the spirit of the NCA and South African jurisprudence. It found the provider’s rigid demands reflected a power imbalance and highlighted the borrower’s genuine effort to settle the debt. As a result, the Court declined to grant the judgment for repossession holding that the borrower had not been given a fair chance to regularise the account.

05/06/2025

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22/04/2025

21/04/2025

Is Debt Review Hard?
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16/03/2025

Many South African homeowners are unaware that banks can install caretakers in their homes if they fall behind on payments. Learn how to protect your rights and stay informed.

07/02/2025

✅ Free Consultation
✅ Free financial Advice
✅ Legal Protection for your Assets
✅ One whole reduced monthly instalment
✅ Reduced interest rate on each account
✅ Stop Creditor / Debt Collector Harassment
✅ Complete Transparency

❗️in order to qualify, Your total debt amount must at least be over R40 000
❗️You must be in financial distress

❌ You must not be under debt Review

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21/01/2025

After the NCT refused to rescind a debt review consent order, an unhappy consumer went to High Court. The application was thrown out again. Here is why: https://buff.ly/3WsJfRj

15/01/2025

Car buyers cancelling their insurance are proving to be a major problem for South African financing houses and banks.