{"id":699,"date":"2018-11-28T12:50:31","date_gmt":"2018-11-28T12:50:31","guid":{"rendered":"https:\/\/dotnewsconnect.co.za\/law\/?p=699"},"modified":"2018-11-28T13:04:28","modified_gmt":"2018-11-28T13:04:28","slug":"lending-to-a-friend-or-selling-property-on-credit-must-you-register-as-a-credit-provider","status":"publish","type":"post","link":"https:\/\/dotnewsconnect.co.za\/law\/2018\/lending-to-a-friend-or-selling-property-on-credit-must-you-register-as-a-credit-provider\/","title":{"rendered":"Lending to a Friend or Selling Property on Credit – Must You Register as a Credit Provider?"},"content":{"rendered":"

\u201cNeither a borrower nor a lender be
\n<\/em><\/strong>For loan oft loses both itself and friend\u201d (Shakespeare)<\/em><\/strong><\/p>\n

 <\/p><\/blockquote>\n

It seems logical that the very strong consumer protections in the NCA (National Credit Act) are designed for commercial situations in which credit is advanced by \u201ccredit provider\u201d businesses to \u201ccredit consumers\u201d.<\/p>\n

But does the NCA also apply to non-commercial, once-off loans? Like a loan to a friend or relative? And what about property sales?<\/p>\n

 <\/p>\n

Why should you be worried?<\/h6>\n

If you aren\u2019t in the business of providing credit it seems counter-intuitive that you should have to worry about NCA registration when making a single loan or giving credit on a once-off basis. And in fact until now our various High Courts have been split over the question.<\/p>\n

But that has all changed with a recent Supreme Court of Appeal (SCA) decision, and your danger is this \u2013 if you should have registered as a credit provider but didn\u2019t, your agreement is unlawful and could be declared void. You might have to write off your whole loan.<\/p>\n

 <\/p>\n

A \u201cfamily\u201d fall out and a R2m \u201ctime to pay\u201d share purchase deal<\/h6>\n
    \n
  • A couple brought into their business a businessman who was \u201clike a son\u201d to them. The idea was that eventually he would take over the business and over time he became a substantial shareholder. Alas however some 12 years down the line there was a falling-out and a mutual decision to part ways.<\/li>\n
  • It was agreed that the businessman would sell his interest in the business to the couple for R2m, to be paid by way of a R500,000 deposit and monthly instalments of R30,000 p.m. Interest was payable on the deferred amount and a mortgage bond registered over the couple\u2019s house as security.<\/li>\n
  • The businessman (as seller) registered as a credit provider (in order to get the mortgage bond registered in his favour) but only\u00a0after\u00a0the credit agreement was signed.<\/li>\n
  • When the business ran into trouble the couple couldn\u2019t continue paying and the seller sued them for the outstanding balance of R1.13m. The couples\u2019 defence was that the agreements were null and void due to non-compliance with the NCA.<\/li>\n
  • The SCA held that the seller should have registered as a credit provider before the credit agreement was entered into. He didn\u2019t, the agreement was thus unlawful, and he loses his R1.13m.<\/li>\n<\/ul>\n

     <\/p>\n

    What is excluded from the registration requirement?<\/h6>\n

    So are you at risk? Firstly, the NCA has many general exclusions and situations of limited application, such as to \u201cincidental\u201d credit agreements, interest-free loans, larger corporates and agreements (thresholds apply – take advice for details).<\/p>\n

    Secondly, the NCA only applies if you are \u201cdealing at arm\u2019s length\u201d. What does that mean in practice?<\/p>\n

      \n
    • To start with, there are specified exclusions for certain shareholder loans and for loans between family members who are \u201cco-dependent\u201d or \u201cdependent\u201d on each other. Think for example of parents supporting a student daughter or the daughter supporting her parents.<\/li>\n
    • Then there\u2019s the much wider provision excluding\u00a0\u201cany other arrangement\u00a0<\/em>\u2026\u00a0in which each party is not independent of the other and consequently does not necessarily strive to obtain the utmost possible advantage out of the transaction\u201d.<\/em>\u00a0That might suggest that loans to close friends are also excluded, but it\u2019s not nearly as simple as that.<\/li>\n
    • The lender in this case couldn\u2019t of course claim to be an actual family member of the couple. But he did argue that because of his \u201calmost familial relationship\u201d with them, he didn\u2019t try to get the \u201cutmost possible advantage\u201d out of the deal and therefore the NCA didn\u2019t apply. On the facts however the SCA disagreed, the relationship between the parties having become hostile and threatening prior to signature of the agreement. The point is that if there is an element of \u201cindependence\u201d between you and the debtor, you are at risk.<\/li>\n<\/ul>\n

      Outside those specific exclusions, deciding whether or not a court will consider you to be \u201cat arm\u2019s length\u201d is always going to involve grey areas.<\/p>\n

       <\/p>\n

      Sale of property with deferred payments<\/h6>\n

      There\u2019s particular danger here for the increasing number of property sellers who, in order to attract cash-strapped buyers in these tough times, are agreeing to sell their properties on a deferred payment or instalment sale basis rather than the standard \u201cpay in full against transfer\u201d basis. Watch out also for a normal \u201cpay in full\u201d deal morphing into a \u201cpay me the rest later\u201d sale when the buyer can only get a bank loan for part of the total price.<\/p>\n

      If either of those scenarios apply, your sale may have to comply with both the NCA\u2019s obligation to register as a credit provider and with the strict requirements of the Alienation of Land Act.\u00a0Specific legal advice is essential\u00a0before<\/span>\u00a0you agree to any form of \u201cdeferred payment\u201d property sale<\/strong>.<\/p>\n

       <\/p>\n

      The bottom line<\/h6>\n

      Unless and until the NCA is amended to make it clearer, less confusing and more pragmatic, tread very carefully in lending money or giving credit \u2013 in relation to a property sale or otherwise – to anyone. Even family and friends.<\/p>\n

      Ask your lawyer for advice on your specific circumstances \u2013 do you fall into one of the exceptions or must you register as a credit provider? If you do need to register, prepare for lots of red tape and delay!<\/p>\n

      Disclaimer:<\/strong> The information provided herein should not be used or relied on as professional advice. No liability can be accepted for any errors or omissions nor for any loss or damage arising from reliance upon any information herein. Always contact your professional adviser for specific and detailed advice.<\/p>\n

      \u00a9 LawDotNews<\/p>\n","protected":false},"excerpt":{"rendered":"

      \u201cNeither a borrower nor a lender be For loan oft loses both itself and friend\u201d (Shakespeare)   It seems logical that the very strong consumer protections in the NCA (National Credit Act) are designed for commercial situations in which credit is advanced by \u201ccredit provider\u201d businesses to \u201ccredit consumers\u201d. But does the NCA also apply […]<\/p>\n","protected":false},"author":101014,"featured_media":700,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[7,23,6],"tags":[],"class_list":["post-699","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business","category-debt-recovery","category-property"],"yoast_head":"\nLending to a Friend or Selling Property on Credit - Must You Register as a Credit Provider? • LawDotNews<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/dotnewsconnect.co.za\/law\/2018\/lending-to-a-friend-or-selling-property-on-credit-must-you-register-as-a-credit-provider\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Lending to a Friend or Selling Property on Credit - Must You Register as a Credit Provider? • LawDotNews\" \/>\n<meta property=\"og:description\" content=\"\u201cNeither a borrower nor a lender be For loan oft loses both itself and friend\u201d (Shakespeare)   It seems logical that the very strong consumer protections in the NCA (National Credit Act) are designed for commercial situations in which credit is advanced by \u201ccredit provider\u201d businesses to \u201ccredit consumers\u201d. 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