Answers to your questions

Have a question you would like answered? Email us and we may answer it. The questions here are based on ones from our readers, with identifying information removed.

Topic: Debt  |  Show questions and answers for all topics

Do I qualify for a SASSA loan?

Yes, but it is probably not a good idea.

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How can I protect my house from being repossessed under Section 88 of the National Credit Act?

If you go into debt review, you will be protected by Section 88 while the debt review takes place.

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Am I responsible for home loan arrears accumulated during hard lockdown?

Yes. You can go into Debt Review and possibly work out a new repayment plan.

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Can the bank demand twice the monthly repayment of a loan on an over-insured house?

The in duplum rule limits all interest and other payments on debt to double the amount of the original debt.

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What housing options are available to me if I earn over R3,500 a month and am blacklisted?

Although there are other housing programmes you are eligible for, you would need to settle your debts first.

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What does the law says about minors who cannot pay outstanding municipal debt on an RDP house?

The children qualify as an indigent household.

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My ex-husband has stopped paying maintenance and now I'm blacklisted. What can I do?

You must approach your local maintenance or magistrates court

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How do I challenge a default judgment against me by my bank on the grounds of reckless lending?

You should notify the bank that you intend to defend yourself on the grounds of reckless lending.

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I am being pursued and threatened for debt on my child's school fees that I cannot pay. What are my options?

You have a legal right to a statement of the amount owed and how it was calculated. It is also possible to ask for a discount on the collection fees and apparently this is often granted.

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My house's sale of execution and money judgment were heard on different dates. What can I do?

The courts ruled in 2018 that banks must bring both the money judgement as well as the application for a sale in execution on the same date.

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