National Consumer Tribunal of South Africa

The National Consumer Tribunal (NCT) was established in terms of the National Credit Act 34 of 2005. As an independent adjudicative entity, the Tribunal’s mandate is to hear and decide on cases involving consumers, service providers, credit providers, debt counsellors and credit bureaux. The NCT is also responsible for reviewing decisions made by the National Credit Regulator and the National Consumer Commission.

Physical address
Ground Floor, Block B, Lakefield Office Park, 272 West Avenue, Cnr West & Lenchen North, Centurion
62 judgments
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Judgment date
December 2022
Shikwambana v Koekemoer (NCRDC760) ; In re: Shikwambana v Koekemoer (NCRDC760) (Condonation Ruling) (NCT/244674.2022/141(1)(b) Rule 34) [2022] ZANCT 2 (21 December 2022) 21 December 2022
Naicker v Hyundai Automotive South Africa t/a Hyundai Umhlanga (NCT/219112/2022/75(1)(b)) [2022] ZANCT 3 (20 December 2022) 20 December 2022
Miller v Nedbank Limited (NCT/222623/2022/141(1)(b)) [2022] ZANCT 4 (18 December 2022) 18 December 2022
Subrayen v FCA South Africa (Pty) Ltd and Others (NCT/214406/2022/75(1)(b)) [2022] ZANCT 5 (12 December 2022) 12 December 2022
Berndt v JDVM Trading & Consultancy Services CC t/a MBA Auto (NCT/222929/2022/75(1)(b)) [2022] ZANCT 6 (9 December 2022) 9 December 2022
Shepherd v Claremont Holdings (Pty) Ltd (NCT/220990/2022/75(1)(b)) [2022] ZANCT 8 (6 December 2022) 6 December 2022
Van Staden v Experian (Pty) Ltd and Another (NCT/226905/2022/141(1)(b)) [2022] ZANCT 1 (5 December 2022) 5 December 2022
November 2022
Bester v Lin-Shaw Properties (Pty) Ltd t/a Sonpark Motors (NCT/233130/2022/75(1)(b)) [2022] ZANCT 9 (26 November 2022) 26 November 2022
Summit Financial Partners (Pty) Ltd and Others v Direct Axis SA (Pty) Ltd and Others (NCT/145402/2019/141(1)(b)) [2022] ZANCT 11 (24 November 2022) 24 November 2022
Summit Financial Partners (Pty) Ltd v Direct Axis SA (Pty) Ltd and Others (NCT/177859/2021/141(1)(b)) [2022] ZANCT 12 (17 November 2022) 17 November 2022
Govender v Alexanderson (NCT/193156/2021/141(1)(b)) [2022] ZANCT 13 (4 November 2022) 4 November 2022
National Consumer Commission v H & F Deals on Wheels CC t/a Fairdeal Car Sales and Another (NCT/173447/2020/73(2)(b)) [2022] ZANCT 14 (2 November 2022) 2 November 2022
October 2022
Steffens v Boylen (NCT-232776-2022 Section 141(1)(b)) [2022] ZANCT 15 (29 October 2022) 29 October 2022
Nadan and Another v Madupha' Business Enterprise ; In re: Nadan and Another v Madupha' Business Enterprise (NCT/239043/2022/75(1)(b)) [2022] ZANCT 17 (28 October 2022) 28 October 2022
Sahadeo v Hyundai Automotive South Africa (Pty) Ltd t/a Hyundai eThekwini (NCT/178924/2021/75(1)(b)) [2022] ZANCT 16 (28 October 2022) 28 October 2022
National Consumer Commission v Stonehill International (Pty) Ltd (NCT-233199-2022-73(2)(b)) [2022] ZANCT 10 (19 October 2022) 19 October 2022
Stevens v Lot 115 Wentworth Investments CC t/a RBS Pawnbrokers and Another (NCT/240141/2022/149(1)) [2022] ZANCT 18 (7 October 2022) 7 October 2022
Garb v Absa Bank Limited (NCT/23189/2021/141(1)(b)) [2022] ZANCT 19 (6 October 2022) 6 October 2022
Khoare v Celsium Multi-Franchise (Pty) Ltd (Condonation Ruling and Reasons) (NCT/237873/2022/75(1)(b) CPA - Rule 34) [2022] ZANCT 20 (6 October 2022) 6 October 2022
National Consumer Commission v ACS Pre-Owned (Pty) Ltd (NCT/222616/2022/73(2)(b)) [2022] ZANCT 21 (6 October 2022) 6 October 2022
September 2022
Mphasane v Afropulse 145 (Pty) Ltd t/a Kingdom Doors (NCT/237419/2022/75(1)(b) CPA - Rule 34) [2022] ZANCT 22 (29 September 2022) 29 September 2022
Intuitive PDA (Pty) Ltd v National Credit Regulator (NCT/212225/2021/56(1)) [2022] ZANCT 24 (20 September 2022) 20 September 2022
Singh v Fasquip Trading CC t/a as Woodlands Decor (NCT/157995/2020/75(1)(b)) [2022] ZANCT 23 (19 September 2022) 19 September 2022
National Credit Regulator v Yon Xing Supermarket (Pty) Ltd (NCT/158492/2020/140(1)) [2022] ZANCT 25 (13 September 2022) 13 September 2022
Erasmus v Earn a Car Assets 1 (Pty) Ltd and Another (NCT/220739/2022/75(1)(b)) [2022] ZANCT 27 (12 September 2022) 12 September 2022
Herbert v Woolworths Financial Services (Pty) Ltd (NCT/225291/2022/141(1)(b)) [2022] ZANCT 26 (12 September 2022) 12 September 2022
National Credit Regulator v Mathusa Batho Financial Services CC (NCT/212864/2021/57(1)) [2022] ZANCT 28 (7 September 2022) 7 September 2022
August 2022
National Consumer Commission v Shimmykc Trading Enterprise CC t/a Mmirwa Autoworld (NCT/226747/2022/73(2)(b)) [2022] ZANCT 29 (16 August 2022) 16 August 2022
Pepeta v Mitchell Munck (Pty) Ltd (NCT/231628/2022/75(1)(b)) [2022] ZANCT 30 (2 August 2022) 2 August 2022
July 2022
National Consumer Commission v Turnstone Trading 52 (Pty) Ltd t/a Country Wide Truck Sales (NCT/184423/2021/73(2)(b)) [2022] ZANCT 31 (25 July 2022) 25 July 2022
Thoridium Liquors (Pty) Ltd t/a GI Motors v National Consumer Commission (NCT/217071/2022/101) [2022] ZANCT 32 (20 July 2022) 20 July 2022
National Consumer Commission v Nu Menu (Pty) Ltd t/a Nu Menu Solutions (NCT/225188/2022/73(2)(b)) [2022] ZANCT 33 (19 July 2022) 19 July 2022
Bester v Naushaad's Car Sales Auto CC t/a Auto Belgravia (NCT/227713/2022/75(1)(b)) [2022] ZANCT 34 (18 July 2022) 18 July 2022
National Credit Regulator v HZ Finance (Pty) Ltd (NCT/158481/2020/57(1)) [2022] ZANCT 35 (12 July 2022) 12 July 2022
Kennedy v Winmac Service Centre CC (NCT/229976/2022/75(1)(b) CPA - Rule 34) [2022] ZANCT 36 (11 July 2022) 11 July 2022
International Version and Trading Projects (Pty) Ltd v National Consumer Commission (NCT/220923/2022/101(1)) [2022] ZANCT 38 (10 July 2022) 10 July 2022
National Consumer Commission v Johan and Philly Auto Traders CC t/a Cars.com II (NCT/215218/2022/73(2)(b)) [2022] ZANCT 37 (10 July 2022) 10 July 2022
Tingle v Mazda Southern Africa (Pty) Ltd (NCT/227890/2022.75(1)(b) CPA) [2022] ZANCT 39 (7 July 2022) 7 July 2022
National Credit Regulator v Dube Cash Loans CC (NCT/183485/2021/140(1)) [2022] ZANCT 40 (6 July 2022) 6 July 2022
National Credit Regulator v Chisevhe Trading Enterprise (Pty) Ltd (NCT/223352/2022/57(1)) [2022] ZANCT 42 (1 July 2022) 1 July 2022
National Credit Regulator v Limali Financial Services CC t/a Star Loans (NCT/179793/2021/57(1)) [2022] ZANCT 41 (1 July 2022) 1 July 2022
June 2022
Singh v Masstores (Pty) Ltd t/a Makro (NCT/219207/2022/75(1)(b)) [2022] ZANCT 43 (27 June 2022) 27 June 2022
Mangena-Marobela v D & S Auto Electrical Service Centre (Pty) Ltd and Another (NCT/139503/2019/75(1)(b)) [2022] ZANCT 44 (24 June 2022) 24 June 2022
National Credit Regulator v Mosadi 19 Trading Enterprise (Pty) Ltd (NCT/223369/2022/57(1)) [2022] ZANCT 46 (17 June 2022) 17 June 2022
National Credit Regulator v Loans at Smart Cash Bizana (Pty) Ltd (NCT/223348/2022/140(1)) [2022] ZANCT 47 (13 June 2022) 13 June 2022
U M v Absa Bank Limited (NCT/192344/2021/141(1)(b)) [2022] ZANCT 48 (12 June 2022) 12 June 2022
National Credit Regulator v Liang Cash Loans CC (NCT/223350/2022/57(1)) [2022] ZANCT 50 (10 June 2022) 10 June 2022
National Credit Regulator v Vavika Finance (Pty) Ltd t/a Vavika Financial Services (NCT/223376/2022/57(1)) [2022] ZANCT 49 (10 June 2022) 10 June 2022
National Credit Regulator v Viico (Pty) Ltd t/a Financial Services Cash Loans (NCT/223355/2022/57(1)) [2022] ZANCT 45 (10 June 2022) 10 June 2022
Fasquip Trading CC t/a Woodlands Decor v Singh (NCT/221542/2022/(148)(1)) [2022] ZANCT 51 (8 June 2022) 8 June 2022