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LitNet Akademies Jaargang 9(2), Augustus 2012 Die Nasionale Kredietwet is berug vir sy gebrek aan duidelikheid 104 en die teenstrydige beslissings wat hier bo bespreek is, getuig daarvan. Die taak wat op ons howe rus om hierdie onduidelikheid op te klaar, is egter nie maklik nie. Regter Willis slaan die spyker op die kop in Seyffert, 105 waar hy opmerk: I share the general frustration of my judicial colleagues around the country at the lack of clarity that features at least in the parts of the NCA with which one is concerned in cases of the kind now before me. A court is forced to go round and round in loops from subsection to subsection, much like a dog chasing its tail. Indeed the language used in the Act from time to time suggests that foreign draftspersons rather than South African lawyers had a strong hand in preparing the text. Die klaarblyklike teenstrydigheid tussen die uitspraak van die appèlhof in Collett en dié van die hoë hof in Raheman 106 dui daarop dat die onsekerheid oor die regsposisie met betrekking tot die beëindiging van skuldhersiening en die wisselwerking tussen artikel 86(10) en ander tersaaklike bepalings van die Nasionale Kredietwet nog lank nie opgeklaar is nie en dat dit so gou moontlik deur wetswysiging aangespreek moet word. 107 Bibliografie Otto, J.M. en R.L. Otto. 2010. The National Credit Act explained. Durban: LexisNexis. Scholtz, J. (red.). 2008. Guide to the National Credit Act. 4de diensuitgawe. Durban: LexisNexis. Steyn, L.C. 1981. Die uitleg van wette. Kaapstad, Wetton en Johannesburg: Juta en Kie, Bpk. Van Heerden, C. en H. Coetzee. 2011. Perspectives on the termination of debt review in terms of section 86(10) of the National Credit Act 34 of 2005. Potchefstroom Electronic Law Journal, 14(2):37–65. —. 2011. Wesbank v Deon Winston Papier and the National Credit Regulator. De Jure, 2:463–79. Eindnotas 1 2012 3 SA 418 (KZD). 2 34 van 2005. Die wet is nie in Afrikaans gepubliseer nie. Hierna sal daarna verwys word as die Nasionale Kredietwet. 3 Sien art. 3(g). 4 Sien art. 79. 278
5 Sien art. 8; Otto en Otto (2010, par. 9). 6 Art. 86(1). 7 Art. 86(4)(b)(i). LitNet Akademies Jaargang 9(2), Augustus 2012 8 Art. 86(6)(a) gelees met reg. 24(6). Indien die verbruiker ’n verklaring van roekelose kredietverlening versoek, moet die skuldberader ook ’n bepaling met betrekking daartoe maak – art. 86(6)(b). 9 Art. 86(7)(c). 10 National Credit Regulator v Nedbank Ltd 2009 6 SA 295 (GNP) 317. Die wet vereis onderhandelinge slegs waar daar ’n bevinding was dat die verbruiker nie met skuld oorbelas is nie, maar na alle waarskynlikheid probleme sal ondervind om al sy of haar verpligtinge kragtens kredietooreenkomste betyds na te kom – art. 86(7)(b). 11 Art. 86(5)(b) bepaal dat ’n kredietgewer wat kennis ontvang het van ’n aansoek vir skuldhersiening “must participate in good faith in the review and in any negotiations designed to result in responsible debt re-arrangement”. 12 Sien National Credit Regulator v Nedbank Ltd 304, 307. 13 Art. 86(8)(b) bepaal dat die skuldberader “must refer the matter to the Magistrate’s Court” (my kursivering). In National Credit Regulator v Nedbank Ltd 310-11, 320 beslis die hof dat sodanige referral ’n aansoek na die hof behels en dat r. 55 van die Landdroshofreëls dus van toepassing is. Sien ook Nedbank Ltd v National Credit Regulator 2011 3 SA 581 (HHA) en die Debt Counselling Regulations, gepubliseer in SK 35327 van 10 Mei 2012. 14 Art. 86(7)(c) gelees met artt. 86(8)(b) en 87(1). Herstrukturering van die verbruiker se skuldverpligtinge kan net geskied deur (i) die tydperk van die ooreenkoms te verleng en die bedrag van elke betaling verskuldig te verminder (art. 86(7)(c)(ii)(aa)); (ii) deur die datums waarop die betalings ingevolge die ooreenkoms gedurende ’n vermelde tydperk betaalbaar is, uit te stel (art. 86(7)(c)(ii)(bb)); (iii) deur die tydperk te verleng en die betalings uit te stel (86(7)(c)(ii)(cc)); of (iv) deur die verbruiker se verpligtinge opnuut te bereken weens oortredings van Deel A of B van Hoofstuk 5, of Deel A van Hoofstuk 6 (art. 86(7)(c)(ii)(cc)). 15 Sien art. 88(3)(b)(i). 16 Sien art. 88(3)(b)(ii). 17 Vgl. Collett v Firstrand Bank Ltd 2011 4 SA 508 (HHA) par. 9. 18 Scholtz (2008, par. 11.3.3.3). 19 Raheman par. 1. 20 Vgl. art. 88(3)(a). 21 Par. 2. 279
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