The National Credit Act (NCA) is designed to protect South African consumers from reckless lending and ensure fair treatment by credit providers. Here’s what you need to know: ✅ Affordability Assessments – The credit provider must assess whether you can afford a loan before granting it, helping prevent over-indebtedness. ✅ Right to Debt Counselling – If you’re struggling with debt, you have the right to seek professional help. Our debt counsellors can assist in negotiating better repayment terms
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