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Credit Information Ombud
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Banking Association South Africa
Financial Service Board
Ombudsman for Banking Services
South African Reserve Bank
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National Consumer Tribunal (the NCT)

Did you know?
18 million South Africans are credit active with 64 million credit accounts, or around 3.5 accounts per credit active consumer.
45% of these accounts are delinquent
At present indicators are that more than 160 000 cases of over-indebtedness have been registered with the NCR
The cases of over-indebtedness are reported to be increasing by approximately 8000 per month
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Managing finances > Dos & Dont's
Do a budget
Do include EVERYTHING
Don't lie to yourself
Don't lie to your spouse or partner or parents
Do pay cash where possible
Do pay on time
Don't over extend your budget
Do get help as soon as you think you are in trouble
Don't ignore your creditors
Do plan your finances for the big things
Don't be afraid to say No if you can't afford it
Don't stand guarantor for ANYONE
Don't be afraid – help is available
 
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