{"id":8808,"date":"2024-04-24T09:52:11","date_gmt":"2024-04-24T07:52:11","guid":{"rendered":"https:\/\/dotnewsconnect.co.za\/law\/?p=8808"},"modified":"2024-04-24T11:55:56","modified_gmt":"2024-04-24T09:55:56","slug":"lending-to-a-friend-or-relative-when-must-you-register-as-a-credit-provider","status":"publish","type":"post","link":"https:\/\/dotnewsconnect.co.za\/law\/2024\/lending-to-a-friend-or-relative-when-must-you-register-as-a-credit-provider\/","title":{"rendered":"Lending to a Friend or Relative \u2013 When Must You Register as a Credit Provider?"},"content":{"rendered":"

\u201cIn life, we never lose friends, we only learn who the true ones are\u201d (Unknown)<\/p><\/blockquote>\n

Lending money to a friend or family member in need sounds like a natural and informal sort of thing to do. But beware \u2013 if relations sour and your friend\/relative can\u2019t or won\u2019t repay you, you may not be able to reclaim your money.<\/p>\n

The danger is that, if you should have registered as a credit provider in terms of the NCA (National Credit Act) but didn\u2019t,\u00a0the loan would be an unlawful credit agreement and would therefore be void and unenforceable.<\/strong>\u00a0You could even face penalties for non-compliance with the requirement to register.<\/p>\n

Only \u201carm\u2019s length\u201d loans fall under the NCA<\/h6>\n

A recent Supreme Court of Appeal (SCA) case turned on the question of whether or not such a loan was conducted \u201cat arm’s length\u201d.<\/p>\n

That\u2019s critical, because only a loan given \u201cat arm’s length\u201d falls under the NCA. The question of what is and isn\u2019t at arm’s length is a complex one, but the factors taken into account by the SCA in reaching its decision provide a good example of what will weigh with a court.<\/p>\n

At stake \u2013 R15m, loaned informally to a friend on a handshake<\/h6>\n
    \n
  • A R15m loan made by one businessman to another was \u201cinformal in nature which was sealed with a handshake, with no interest charged.\u201d Later on, the debtor signed an AOD (Acknowledgment of Debt) for the R15m, granting a grace period of six months before interest would accrue on default. The lender had never registered as a credit provider.<\/li>\n
  • The High Court found both the loan agreement and the AOD were subject to the NCA and therefore unlawful.<\/li>\n
  • Fortunately for the lender, the SCA overturned this decision on appeal. On the facts, it held that the loan was not \u201cat arm\u2019s length\u201d and therefore not subject to the NCA.\u00a0Key factors it considered<\/strong> in reaching this decision were \u2013\n
      \n
    • The loan agreement was oral and informal,<\/li>\n
    • The parties had become friends and had \u201c\u2026 formed a close bond in personal matters outside the realms of business. The loan was offered as a gesture of friendship\u201d,<\/li>\n
    • The lender did not normally lend money, and this was a one-time occurrence,<\/li>\n
    • No interest was levied on the loan except on default and the lender had not \u201csought to obtain the utmost advantage from the transaction\u201d.<\/li>\n<\/ul>\n<\/li>\n
    • Bottom line \u2013 the lender can breathe a sigh of relief, the loan agreement and AOD are not void in terms of the NCA, and it can pursue the debtor for its R15m.<\/li>\n<\/ul>\n
      But \u2013 don\u2019t take unnecessary chances!<\/h6>\n

      Concluding an informal loan agreement with a handshake is all very well, but this could well have turned out badly for the lender, and R15m is a lot of money to lose for want of checking for lawfulness upfront.<\/p>\n

      Disclaimer:\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

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

      \u201cIn life, we never lose friends, we only learn who the true ones are\u201d (Unknown) Lending money to a friend or family member in need sounds like a natural and informal sort of thing to do. But beware \u2013 if relations sour and your friend\/relative can\u2019t or won\u2019t repay you, you may not be able […]<\/p>\n","protected":false},"author":101014,"featured_media":8809,"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":[28],"tags":[],"class_list":["post-8808","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-law"],"yoast_head":"\nLending to a Friend or Relative \u2013 When 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\/2024\/lending-to-a-friend-or-relative-when-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 Relative \u2013 When Must You Register as a Credit Provider? • LawDotNews\" \/>\n<meta property=\"og:description\" content=\"\u201cIn life, we never lose friends, we only learn who the true ones are\u201d (Unknown) Lending money to a friend or family member in need sounds like a natural and informal sort of thing to do. But beware \u2013 if relations sour and your friend\/relative can\u2019t or won\u2019t repay you, you may not be able […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/dotnewsconnect.co.za\/law\/2024\/lending-to-a-friend-or-relative-when-must-you-register-as-a-credit-provider\/\" \/>\n<meta property=\"og:site_name\" content=\"LawDotNews\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/dotnewscoza\" \/>\n<meta property=\"article:published_time\" content=\"2024-04-24T07:52:11+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-04-24T09:55:56+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/dotnewsconnect.co.za\/law\/wp-content\/uploads\/sites\/2\/2024\/04\/lending_650.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"650\" \/>\n\t<meta property=\"og:image:height\" content=\"300\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"LawDotNews\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@dotnewstweets\" \/>\n<meta name=\"twitter:site\" content=\"@dotnewstweets\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"LawDotNews\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/dotnewsconnect.co.za\\\/law\\\/2024\\\/lending-to-a-friend-or-relative-when-must-you-register-as-a-credit-provider\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/dotnewsconnect.co.za\\\/law\\\/2024\\\/lending-to-a-friend-or-relative-when-must-you-register-as-a-credit-provider\\\/\"},\"author\":{\"name\":\"LawDotNews\",\"@id\":\"https:\\\/\\\/dotnewsconnect.co.za\\\/law\\\/#\\\/schema\\\/person\\\/1ca6b5523156abce6e7e446cf033d72c\"},\"headline\":\"Lending to a Friend or Relative \u2013 When Must You Register as a Credit Provider?\",\"datePublished\":\"2024-04-24T07:52:11+00:00\",\"dateModified\":\"2024-04-24T09:55:56+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/dotnewsconnect.co.za\\\/law\\\/2024\\\/lending-to-a-friend-or-relative-when-must-you-register-as-a-credit-provider\\\/\"},\"wordCount\":548,\"publisher\":{\"@id\":\"https:\\\/\\\/dotnewsconnect.co.za\\\/law\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/dotnewsconnect.co.za\\\/law\\\/2024\\\/lending-to-a-friend-or-relative-when-must-you-register-as-a-credit-provider\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/dotnewsconnect.co.za\\\/law\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2024\\\/04\\\/lending_650.jpg\",\"articleSection\":[\"Credit Law\"],\"inLanguage\":\"en-ZA\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/dotnewsconnect.co.za\\\/law\\\/2024\\\/lending-to-a-friend-or-relative-when-must-you-register-as-a-credit-provider\\\/\",\"url\":\"https:\\\/\\\/dotnewsconnect.co.za\\\/law\\\/2024\\\/lending-to-a-friend-or-relative-when-must-you-register-as-a-credit-provider\\\/\",\"name\":\"Lending to a Friend or Relative \u2013 When Must You Register as a Credit Provider? • LawDotNews\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/dotnewsconnect.co.za\\\/law\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/dotnewsconnect.co.za\\\/law\\\/2024\\\/lending-to-a-friend-or-relative-when-must-you-register-as-a-credit-provider\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/dotnewsconnect.co.za\\\/law\\\/2024\\\/lending-to-a-friend-or-relative-when-must-you-register-as-a-credit-provider\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/dotnewsconnect.co.za\\\/law\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2024\\\/04\\\/lending_650.jpg\",\"datePublished\":\"2024-04-24T07:52:11+00:00\",\"dateModified\":\"2024-04-24T09:55:56+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/dotnewsconnect.co.za\\\/law\\\/2024\\\/lending-to-a-friend-or-relative-when-must-you-register-as-a-credit-provider\\\/#breadcrumb\"},\"inLanguage\":\"en-ZA\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/dotnewsconnect.co.za\\\/law\\\/2024\\\/lending-to-a-friend-or-relative-when-must-you-register-as-a-credit-provider\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-ZA\",\"@id\":\"https:\\\/\\\/dotnewsconnect.co.za\\\/law\\\/2024\\\/lending-to-a-friend-or-relative-when-must-you-register-as-a-credit-provider\\\/#primaryimage\",\"url\":\"https:\\\/\\\/dotnewsconnect.co.za\\\/law\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2024\\\/04\\\/lending_650.jpg\",\"contentUrl\":\"https:\\\/\\\/dotnewsconnect.co.za\\\/law\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2024\\\/04\\\/lending_650.jpg\",\"width\":650,\"height\":300},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/dotnewsconnect.co.za\\\/law\\\/2024\\\/lending-to-a-friend-or-relative-when-must-you-register-as-a-credit-provider\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/dotnewsconnect.co.za\\\/law\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Lending to a Friend or Relative \u2013 When Must You Register as a Credit Provider?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/dotnewsconnect.co.za\\\/law\\\/#website\",\"url\":\"https:\\\/\\\/dotnewsconnect.co.za\\\/law\\\/\",\"name\":\"LawDotNews\",\"description\":\"Direct to You Target Market!\",\"publisher\":{\"@id\":\"https:\\\/\\\/dotnewsconnect.co.za\\\/law\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/dotnewsconnect.co.za\\\/law\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-ZA\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/dotnewsconnect.co.za\\\/law\\\/#organization\",\"name\":\"LawDotNews\",\"url\":\"https:\\\/\\\/dotnewsconnect.co.za\\\/law\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-ZA\",\"@id\":\"https:\\\/\\\/dotnewsconnect.co.za\\\/law\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/dotnewsconnect.co.za\\\/law\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2016\\\/10\\\/green_3d_target.png\",\"contentUrl\":\"https:\\\/\\\/dotnewsconnect.co.za\\\/law\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2016\\\/10\\\/green_3d_target.png\",\"width\":350,\"height\":303,\"caption\":\"LawDotNews\"},\"image\":{\"@id\":\"https:\\\/\\\/dotnewsconnect.co.za\\\/law\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/dotnewscoza\",\"https:\\\/\\\/x.com\\\/dotnewstweets\",\"http:\\\/\\\/www.linkedin.com\\\/company\\\/dotnews\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/dotnewsconnect.co.za\\\/law\\\/#\\\/schema\\\/person\\\/1ca6b5523156abce6e7e446cf033d72c\",\"name\":\"LawDotNews\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-ZA\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/6351bc7854ae7614e8bf3ba2724d57b882c81ee6e06e5ad081f3281760894d91?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/6351bc7854ae7614e8bf3ba2724d57b882c81ee6e06e5ad081f3281760894d91?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/6351bc7854ae7614e8bf3ba2724d57b882c81ee6e06e5ad081f3281760894d91?s=96&d=mm&r=g\",\"caption\":\"LawDotNews\"},\"description\":\"The LawDotNews client newsletter was started in 2005 to provide law firms with a highly professional, effective, low effort, low cost marketing service in the form of the LawDotNews client newsletter. Grow your practice with regular, quality communication! For the cost of a business lunch, imprint your firm\u2019s name in the minds of your best clients and prospective clients!\",\"sameAs\":[\"http:\\\/\\\/www.lawdotnews.co.za\"],\"url\":\"https:\\\/\\\/dotnewsconnect.co.za\\\/law\\\/author\\\/lawdotnews\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Lending to a Friend or Relative \u2013 When Must You Register as a Credit Provider? • LawDotNews","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/dotnewsconnect.co.za\/law\/2024\/lending-to-a-friend-or-relative-when-must-you-register-as-a-credit-provider\/","og_locale":"en_US","og_type":"article","og_title":"Lending to a Friend or Relative \u2013 When Must You Register as a Credit Provider? • LawDotNews","og_description":"\u201cIn life, we never lose friends, we only learn who the true ones are\u201d (Unknown) Lending money to a friend or family member in need sounds like a natural and informal sort of thing to do. But beware \u2013 if relations sour and your friend\/relative can\u2019t or won\u2019t repay you, you may not be able […]","og_url":"https:\/\/dotnewsconnect.co.za\/law\/2024\/lending-to-a-friend-or-relative-when-must-you-register-as-a-credit-provider\/","og_site_name":"LawDotNews","article_publisher":"https:\/\/www.facebook.com\/dotnewscoza","article_published_time":"2024-04-24T07:52:11+00:00","article_modified_time":"2024-04-24T09:55:56+00:00","og_image":[{"width":650,"height":300,"url":"https:\/\/dotnewsconnect.co.za\/law\/wp-content\/uploads\/sites\/2\/2024\/04\/lending_650.jpg","type":"image\/jpeg"}],"author":"LawDotNews","twitter_card":"summary_large_image","twitter_creator":"@dotnewstweets","twitter_site":"@dotnewstweets","twitter_misc":{"Written by":"LawDotNews","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/dotnewsconnect.co.za\/law\/2024\/lending-to-a-friend-or-relative-when-must-you-register-as-a-credit-provider\/#article","isPartOf":{"@id":"https:\/\/dotnewsconnect.co.za\/law\/2024\/lending-to-a-friend-or-relative-when-must-you-register-as-a-credit-provider\/"},"author":{"name":"LawDotNews","@id":"https:\/\/dotnewsconnect.co.za\/law\/#\/schema\/person\/1ca6b5523156abce6e7e446cf033d72c"},"headline":"Lending to a Friend or Relative \u2013 When Must You Register as a Credit Provider?","datePublished":"2024-04-24T07:52:11+00:00","dateModified":"2024-04-24T09:55:56+00:00","mainEntityOfPage":{"@id":"https:\/\/dotnewsconnect.co.za\/law\/2024\/lending-to-a-friend-or-relative-when-must-you-register-as-a-credit-provider\/"},"wordCount":548,"publisher":{"@id":"https:\/\/dotnewsconnect.co.za\/law\/#organization"},"image":{"@id":"https:\/\/dotnewsconnect.co.za\/law\/2024\/lending-to-a-friend-or-relative-when-must-you-register-as-a-credit-provider\/#primaryimage"},"thumbnailUrl":"https:\/\/dotnewsconnect.co.za\/law\/wp-content\/uploads\/sites\/2\/2024\/04\/lending_650.jpg","articleSection":["Credit Law"],"inLanguage":"en-ZA"},{"@type":"WebPage","@id":"https:\/\/dotnewsconnect.co.za\/law\/2024\/lending-to-a-friend-or-relative-when-must-you-register-as-a-credit-provider\/","url":"https:\/\/dotnewsconnect.co.za\/law\/2024\/lending-to-a-friend-or-relative-when-must-you-register-as-a-credit-provider\/","name":"Lending to a Friend or Relative \u2013 When Must You Register as a Credit Provider? • LawDotNews","isPartOf":{"@id":"https:\/\/dotnewsconnect.co.za\/law\/#website"},"primaryImageOfPage":{"@id":"https:\/\/dotnewsconnect.co.za\/law\/2024\/lending-to-a-friend-or-relative-when-must-you-register-as-a-credit-provider\/#primaryimage"},"image":{"@id":"https:\/\/dotnewsconnect.co.za\/law\/2024\/lending-to-a-friend-or-relative-when-must-you-register-as-a-credit-provider\/#primaryimage"},"thumbnailUrl":"https:\/\/dotnewsconnect.co.za\/law\/wp-content\/uploads\/sites\/2\/2024\/04\/lending_650.jpg","datePublished":"2024-04-24T07:52:11+00:00","dateModified":"2024-04-24T09:55:56+00:00","breadcrumb":{"@id":"https:\/\/dotnewsconnect.co.za\/law\/2024\/lending-to-a-friend-or-relative-when-must-you-register-as-a-credit-provider\/#breadcrumb"},"inLanguage":"en-ZA","potentialAction":[{"@type":"ReadAction","target":["https:\/\/dotnewsconnect.co.za\/law\/2024\/lending-to-a-friend-or-relative-when-must-you-register-as-a-credit-provider\/"]}]},{"@type":"ImageObject","inLanguage":"en-ZA","@id":"https:\/\/dotnewsconnect.co.za\/law\/2024\/lending-to-a-friend-or-relative-when-must-you-register-as-a-credit-provider\/#primaryimage","url":"https:\/\/dotnewsconnect.co.za\/law\/wp-content\/uploads\/sites\/2\/2024\/04\/lending_650.jpg","contentUrl":"https:\/\/dotnewsconnect.co.za\/law\/wp-content\/uploads\/sites\/2\/2024\/04\/lending_650.jpg","width":650,"height":300},{"@type":"BreadcrumbList","@id":"https:\/\/dotnewsconnect.co.za\/law\/2024\/lending-to-a-friend-or-relative-when-must-you-register-as-a-credit-provider\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/dotnewsconnect.co.za\/law\/"},{"@type":"ListItem","position":2,"name":"Lending to a Friend or Relative \u2013 When Must You Register as a Credit Provider?"}]},{"@type":"WebSite","@id":"https:\/\/dotnewsconnect.co.za\/law\/#website","url":"https:\/\/dotnewsconnect.co.za\/law\/","name":"LawDotNews","description":"Direct to You Target Market!","publisher":{"@id":"https:\/\/dotnewsconnect.co.za\/law\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/dotnewsconnect.co.za\/law\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-ZA"},{"@type":"Organization","@id":"https:\/\/dotnewsconnect.co.za\/law\/#organization","name":"LawDotNews","url":"https:\/\/dotnewsconnect.co.za\/law\/","logo":{"@type":"ImageObject","inLanguage":"en-ZA","@id":"https:\/\/dotnewsconnect.co.za\/law\/#\/schema\/logo\/image\/","url":"https:\/\/dotnewsconnect.co.za\/law\/wp-content\/uploads\/sites\/2\/2016\/10\/green_3d_target.png","contentUrl":"https:\/\/dotnewsconnect.co.za\/law\/wp-content\/uploads\/sites\/2\/2016\/10\/green_3d_target.png","width":350,"height":303,"caption":"LawDotNews"},"image":{"@id":"https:\/\/dotnewsconnect.co.za\/law\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/dotnewscoza","https:\/\/x.com\/dotnewstweets","http:\/\/www.linkedin.com\/company\/dotnews"]},{"@type":"Person","@id":"https:\/\/dotnewsconnect.co.za\/law\/#\/schema\/person\/1ca6b5523156abce6e7e446cf033d72c","name":"LawDotNews","image":{"@type":"ImageObject","inLanguage":"en-ZA","@id":"https:\/\/secure.gravatar.com\/avatar\/6351bc7854ae7614e8bf3ba2724d57b882c81ee6e06e5ad081f3281760894d91?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/6351bc7854ae7614e8bf3ba2724d57b882c81ee6e06e5ad081f3281760894d91?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/6351bc7854ae7614e8bf3ba2724d57b882c81ee6e06e5ad081f3281760894d91?s=96&d=mm&r=g","caption":"LawDotNews"},"description":"The LawDotNews client newsletter was started in 2005 to provide law firms with a highly professional, effective, low effort, low cost marketing service in the form of the LawDotNews client newsletter. Grow your practice with regular, quality communication! For the cost of a business lunch, imprint your firm\u2019s name in the minds of your best clients and prospective clients!","sameAs":["http:\/\/www.lawdotnews.co.za"],"url":"https:\/\/dotnewsconnect.co.za\/law\/author\/lawdotnews\/"}]}},"distributor_meta":false,"distributor_terms":false,"distributor_media":false,"distributor_original_site_name":"LawDotNews","distributor_original_site_url":"https:\/\/dotnewsconnect.co.za\/law","push-errors":false,"_links":{"self":[{"href":"https:\/\/dotnewsconnect.co.za\/law\/wp-json\/wp\/v2\/posts\/8808","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/dotnewsconnect.co.za\/law\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/dotnewsconnect.co.za\/law\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/dotnewsconnect.co.za\/law\/wp-json\/wp\/v2\/users\/101014"}],"replies":[{"embeddable":true,"href":"https:\/\/dotnewsconnect.co.za\/law\/wp-json\/wp\/v2\/comments?post=8808"}],"version-history":[{"count":2,"href":"https:\/\/dotnewsconnect.co.za\/law\/wp-json\/wp\/v2\/posts\/8808\/revisions"}],"predecessor-version":[{"id":8826,"href":"https:\/\/dotnewsconnect.co.za\/law\/wp-json\/wp\/v2\/posts\/8808\/revisions\/8826"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/dotnewsconnect.co.za\/law\/wp-json\/wp\/v2\/media\/8809"}],"wp:attachment":[{"href":"https:\/\/dotnewsconnect.co.za\/law\/wp-json\/wp\/v2\/media?parent=8808"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dotnewsconnect.co.za\/law\/wp-json\/wp\/v2\/categories?post=8808"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dotnewsconnect.co.za\/law\/wp-json\/wp\/v2\/tags?post=8808"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}