{"id":7252,"date":"2023-06-27T10:15:18","date_gmt":"2023-06-27T08:15:18","guid":{"rendered":"https:\/\/dotnewsconnect.co.za\/law\/?p=7252"},"modified":"2023-06-27T10:15:20","modified_gmt":"2023-06-27T08:15:20","slug":"dont-give-a-loan-or-credit-to-anyone-not-even-a-friend-without-legal-advice","status":"publish","type":"post","link":"https:\/\/dotnewsconnect.co.za\/law\/2023\/dont-give-a-loan-or-credit-to-anyone-not-even-a-friend-without-legal-advice\/","title":{"rendered":"Don\u2019t Give a Loan or Credit to Anyone (Not Even a Friend) Without Legal Advice!"},"content":{"rendered":"<blockquote><p>\u201cThe requirement that credit providers must be registered allows for their control and regulation, especially in relation to their financial probity and integrity, thereby avoiding the unscrupulous exploitation of credit consumers by so-called fly-by-night operators and loan sharks.\u201d (Extract from judgment below)<em><strong><br \/>\n<\/strong><\/em><\/p><\/blockquote>\n<p>A recent High Court case highlights once again the dangers of lending money, or granting credit, in contravention of our credit laws. By understanding the pitfalls associated with being an unregistered credit provider and of not complying with the National Credit Act (NCA), you can protect yourself from the potential legal and financial risks.<\/p>\n<h6>Close friends fall out, and the lender loses R1.5m<\/h6>\n<ul>\n<li>The parties involved in this unhappy saga were previously close friends. An admitted but non-practicing advocate, who acted as a trustee of his friend\u2019s personal trust, asked the friend (who had just sold his house) for a loan. The friend obliged with loans totalling R2.5m.<\/li>\n<li>To simplify a long and complicated factual history, disputes arose and a series of acknowledgments of debt (AODs) were signed to document the loan, the last AOD recording a settlement agreement\/compromise.<\/li>\n<li>Over time, the borrower had made payments totaling just over R3m to the lender, the dispute went to arbitration, an arbitration award was made, and ultimately the lender sued his ex-friend in the High Court for a balance of R1,535,000.<\/li>\n<li>The Court, holding that the loan agreement and AODs were unlawful and invalid, dismissed the lender\u2019s claim \u2013 which leaves him R1.5m out of pocket, plus costs and lost interest.\u00a0<strong>That\u2019s a very hard lesson that all would-be lenders should take careful note of.<\/strong><\/li>\n<\/ul>\n<h6>How do you lose everything by not complying with the NCA?<\/h6>\n<p>In protecting consumers from incurring debt beyond their means, our National Credit Act (NCA) requires that, with only a few exceptions, \u201ccredit providers\u201d (which would include anyone lending money or giving credit to a friend) must \u2013<\/p>\n<ol>\n<li>Register in terms of the NCA; and<\/li>\n<li>Conduct a \u201ccredit assessment\u201d to confirm that the borrower is in a financial position to enter into the loan and repay it.<\/li>\n<\/ol>\n<p>Registration is unnecessary in some circumstances \u2013 for example loans between family members who are dependent on each other, whilst only \u201carm\u2019s length\u201d transactions will as a general rule fall under the NCA. There are other cases in which the NCA won\u2019t apply or will only partially apply, but with all the grey areas involved, get specific legal advice\u00a0<strong>before<\/strong>\u00a0lending to anyone \u2013 friend or not.<\/p>\n<p>Your risk is that any loan made by an unregistered credit provider becomes uncollectable. That means\u00a0<strong>you could lose everything<\/strong>. If you find yourself in that position, there is still a ray of hope for you in that a court normally still has a discretion to help you on the basis of fairness, by making a \u201cjust and equitable\u201d order of any sort. But don\u2019t rely on that happening &#8211; you will have to justify making the non-compliant loan and hope for the best when it comes to the court weighing up the balance of fairness between the two of you. Rather be safe and check whether you need to comply with the NCA or not before you make the loan.<\/p>\n<p>Besides, sometimes the court has no discretion at all to come to your rescue, which is exactly what happened in this case because the claim here was based not on the original credit agreement but on a settlement agreement. So the Court couldn\u2019t have helped the lender even if it had wanted to.<\/p>\n<h6>There are no longer any thresholds \u2013 all loans are at risk<\/h6>\n<p>Finally, note that no matter what you may read in the media to the contrary, there is no longer any R500,000 debt threshold \u2013\u00a0<strong>any loan of<\/strong>\u00a0<strong>any amount<\/strong>\u00a0falls into the net since 2016. And since 2014\u00a0<strong>even one-off loans are at risk<\/strong>\u00a0(before that, the NCA applied only to providers with one hundred or more credit agreements).<\/p>\n<p><strong>Disclaimer:<\/strong>\u00a0The 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<p class=\"has-text-align-right\">\u00a9 LawDotNews<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u201cThe requirement that credit providers must be registered allows for their control and regulation, especially in relation to their financial probity and integrity, thereby avoiding the unscrupulous exploitation of credit consumers by so-called fly-by-night operators and loan sharks.\u201d (Extract from judgment below) A recent High Court case highlights once again the dangers of lending money, [&hellip;]<\/p>\n","protected":false},"author":101014,"featured_media":7253,"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":[23],"tags":[],"class_list":["post-7252","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-debt-recovery"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Don\u2019t Give a Loan or Credit to Anyone (Not Even a Friend) Without Legal Advice! 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