Consumer

Protection Law
PRESENTED BY MPENDULO MAPHUMULO
THE RIGHT TO INFORMATION
IN AN OFFICIAL LANGUAGE
THE CONSUMER PROTECTION ACT
AS PER THE NATIONAL CREDIT ACT;
AND.
 CONTENTS
• OVERVIEW & ISSUE…..……...1
• BACKGROUND…........………..2
• INTENT…………………………..3
• AIM……………………………….4
• SCOPE………..…………………5
• POLICY………..……………......6
 Overview & ISSUE
• The right to information in an official
language amongst others upholds the
promotion of an equitable and non-
discriminatory marketplace.
• The lack of accommodation for
certain classes of people having
differing levels of literacy and
minimal experiences as consumers
has often caused numerous
misunderstandings between suppliers
and consumers.

This Photo by Unknown Author is licensed under CC BY-SA

BACKGROUND:
The National Credit Act 34, 2005, relying specifically on chapter 4 of the Act,
set out the consumer credit policy and subsequently, the rights of consumers.
These rights solemnly aid in the advocacy of consumer protection and to
assure a healthy regulation of the consumer and producer relationship in the
market. The right to information in an official language amongst others upholds
the promotion of an equitable and non-discriminatory marketplace. The section
63 right envisions an improved standard of consumer information. To eliminate
the historical complexity nature of credit contracts inviting vulnerability
especially to those who had some degree of illiteracy. This often-made way for
possibility of consumer exploitation in the market.
With foundation and succinct exercise of a policy asserting the right to
information in an official language will undoubtedly right the exploitation and
subsequently bridge the language barrier.
 INTENT
• We are committed to uphold and advocate for the protection of the fundamental rights of our
consumers.
• As mentioned herein, amongst other rights upheld by the company is the right to information in an
official language. This policy will guarantee the milestone effort at giving the right the recognition,
so long overdue. Our customers are from all parts of this world and of differing ages; and therefore
• Through this policy we will ensure that communication is improved to accommodate the wide
variety of consumers.
• Lastly, we intend to ensure that, our consumers comprehend and practice these provisions with
utmost good faith through realization of the right.
 This policy aims to improve the already
existing consumer-producer influence on the
market through bridging the language
barrier between producer communications
and the understanding of such information
communicated.
 Express the consumers right to receive any
document required in terms of the Act in an
official language that the recipient can read
and understand.
Make known the obligation resting on the
producer of a document in terms of having it
delivered. AIM
 Promote the opportunity granted to
consumers to choose from two official one
that document should be communicated in.
Make consumers aware of the roles of the
various structures (National credit regulator,
Tribunal, and Minister) in the enforcement of
the right.
 Lastly, to educate the public on the official
languages of the Republic of South Africa, to
eliminate any chance of confusion in practice
of the right.
 This policy is applicable to all documents
requested for delivery by any producer in terms of
the NCA. It is also binding on the National credit
regulator, the Tribunal, and the Minister in terms
of the Act in the facilitation of the delivery of a
SCOPE document in an official language chosen by the
consumer. This includes any approvals and
disapproval of documents. Furthermore, the
remedies in terms of re-submission of proposal for
approval of document. The policy and its
respective provision bind the company to facilitate
document delivery upon request in close
compliance with the Act.
 We uphold and prioritize customer satisfaction. This
undoubtedly reflects our vision for effective service
delivery and prompt attendance at customer
enquiries or complaints. Such communication shall be
documented in an official language chosen by the
consumer in terms of the Act. Delivery shall be driven
by the core principles we advocate. That being,
POLICY transparency, accountability, and improvement. The
policy is there to assert our goal to:
 Assure that all terms are communicated in a
language best understood by the consumer, and
 Consumers are aware of the role of the Act in
ensuring adequate to maximum exercise of this
founding right in the sense that presence of
miscommunication dissolves any agreement
between producer and consumer.
 ROLES & RESPONSIBILITIES

 The producer has a role and

responsibility in terms of the NCA,
upon request, to deliver considering
preferences of the public population.
Ordinarily, the producer is the person
required to deliver that document.
 The minister may prescribe at least
two official languages to be used by
the National credit regulator.
 Furthermore, it is pivotal that
consumers know the official languages
of the country which the minister so
chooses and prescribes from.
Thank You