{"meta":{"key":"c_za--pass-10","task":"C_ZA","title":"CZA South Africa","parent_title":"South Africa consumer debt and resolution","edition":"pass-10","path":"/research/c_za--pass-10/","kind":"split_pass","category":"international","role":"country","area_numbers":[97,98],"groups":["global"],"date":"2026-10-27","tables":16,"claims":95,"sources":14,"review_status":"reviewed_revisions_required","review_complete":true,"sha256":"5483c925102bb6df62a5afd304d8fc07c81ac27f104d8faa6acc5291a76d6316","headings":["Generic NCR consumer complaint, investigation and public-enforcement/NCT gateway for ordinary debt-counselling conduct","Focused disposition","G1.1 Who may complain","G1.2 Ordinary debt-counsellor conduct versus other disputes","G1.3 Registered debt counsellor versus alleged unregistered actor","G1.4 Form 29 and complaint content","G1.5 Representation and third-party assistance","G1.6 Anonymous and own-initiative branches","G1.7 Confidentiality is qualified, not absolute","G1.8 Receipt, acknowledgement and operating targets","G2.1 Initial NCR choices are discretionary","G2.2 Initial non-referral","G2.3 Informal or voluntary resolution","G2.4 Formal investigation powers","G2.5 Post-investigation outcomes","G2.6 Provincial consumer-court routing","G2.7 Direct referral after NCR non-referral","G2.8 Current NCT procedural-rule gap","G2.9 Costs and adverse direct-referral branch","G2.10 Appeals and reviews","G2.11 Limitation period","G3.1 Section 54 cessation notice for an alleged unregistered actor","G3.2 Section 55 compliance notice","G3.3 Objection to an NCR notice","G3.4 Cancellation or suspension of registration","G3.5 Interim relief and no automatic collection stay","G3.6 NCT remedial powers","G3.7 Administrative fines","G3.8 Consent-order damages, excess-charge repayment and civil damages are distinct","G3.9 Contract and debt effects are not automatic","G3.10 Orders and review","Workflow 1 — Alleged unperformed aftercare","Workflow 2 — Fee quotation where current authority is unresolved","Workflow 3 — Consumer could not reach the debt counsellor first","Workflow 4 — NCR issues a notice of non-referral","Workflow 5 — NCR investigates and refers public enforcement","Workflow 6 — Voluntary resolution becomes a consent order","Workflow 7 — NCT cancellation or fine versus consumer refund","Workflow 8 — Complaint during active collection litigation","Workflow 9 — Matter may belong to another regulator","Workflow 10 — Alleged unregistered debt counsellor","Workflow 11 — Statutory clock examples","Clock A: §56 objection by recipient of an NCR notice","Clock B: §166 three-year outer period","G1 — Complaint applicability, actor, content and intake: 22 rows","G2 — Assessment, investigation, non-referral and referral: 23 rows","G3 — Public enforcement, sanctions and private consequence: 25 rows","G4 — Fictional workflows and calculations: 11 rows","G5 — Reviewed gap, currentness and territorial scope: 9 rows","Official repositories actually used","Representative bounded searches","Material access and currentness limits","Consistency self-check","Exact next primary-source question","Final P10 disposition"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"C_ZA/pass-10","facets":{"geography":["international","c_za"],"debt_type":[],"stage":["repossession"],"subject":["counseling-dmp","provider-remedies"]},"scope":"ReviewedP07D06nationalgenericNCRcomplaint/investigation/publicenforcement/NCTgatewayonly;unreviewedP06P08P09notadopted","pending_corrections":1},"markdown":"# SettleADebt C_ZA PASS-10 — South Africa\n\n## Generic NCR consumer complaint, investigation and public-enforcement/NCT gateway for ordinary debt-counselling conduct\n\n**Research character:** Read-only, national-level public legal research. This is not a complaint, filing guide for a particular person, assessment of an actual debt counsellor, or advice about an active dispute.\n\n**Fresh access date:** **26 October 2026 PDT** and **27 October 2026 UTC/SAST**. Exact source-specific clock times were not logged and are unknown.\n\n**Provenance and holds:**\n\n- P01–P03, P05 and P07 retain their coordinator-reviewed scope and currentness limitations.\n- P09 is saved but awaits review.\n- P06 and P08 are unreviewed and are **not adopted** as accepted premises.\n- P04 remains incomplete.\n- No current fee amount, fee-incorporation condition, reckless-lending-fee result, CPA contract conclusion or PDA client-money conclusion from those unreviewed components is used as a premise here.\n- No national, provincial, local, A097, A098 or whole-country acceptance follows from this pass.\n\n## Focused disposition\n\nA complaint about ordinary debt-counselling conduct may be submitted to the **National Credit Regulator (NCR)** under NCA §136 where it alleges a contravention of the National Credit Act. The 2014 amendment broadened the text to permit **“any person”** to submit a complaint concerning an alleged NCA contravention or reckless credit in the prescribed manner and form. The NCR may also initiate a complaint in its own name. That establishes a broad statutory complaint gateway, but it does not require the NCR to investigate every submission, prove that the respondent is registered, or guarantee any requested outcome. [South African Government+1](https://www.gov.za/sites/default/files/gcis_document/201409/37665gon389.pdf)\n\nAfter initiating or accepting a complaint, the NCR may:\n\n- issue a notice of non-referral at the initial assessment stage;\n- redirect an appropriate matter to a debt counsellor, ombud, consumer court or alternative-dispute-resolution agent;\n- direct an inspector to investigate;\n- after investigation, non-refer, refer suspected prohibited conduct to a provincial consumer court or the National Consumer Tribunal (NCT), apply to the NCT on another statutory basis, or refer an apparent offence to the National Prosecuting Authority. [DTIC+1](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf)\n\nIf the NCR issues a notice of non-referral—other than for the statutory categories excluded by §141—the complainant may seek a direct referral to the applicable provincial consumer court or, **with the NCT’s leave**, to the Tribunal. The substantive right is supported by §141, but the complete current Tribunal rules package could not be opened during this pass. The exact present filing form, procedural deadline, leave application package and condonation mechanics for a §141 direct referral therefore remain partly unresolved. [DTIC](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf)\n\nA complaint itself does **not** automatically:\n\n- suspend collection activity, a court date, interest or credit reporting;\n- create a refund;\n- void a fee or contract;\n- cancel a debt counsellor’s registration;\n- impose an administrative fine; or\n- award damages.\n\nThose results require a separate voluntary agreement, consent order, interim order, NCT order, court judgment or other applicable statutory process with its own elements. The NCA expressly provides a separate interim-relief application, a separate consent-order mechanism, identified NCT remedial powers and a distinct civil-damages gateway. [DTIC+2](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf)\n\n# G1. Complaint applicability, actors and information gateway\n\n## G1.1 Who may complain\n\nNCA §136(1), as substituted by Act 19 of 2014, provides that **any person** may submit a complaint concerning:\n\n1. an alleged contravention of the NCA; or\n2. an allegation of reckless credit,\n\nin the prescribed manner and form. Section 136(2) separately permits the NCR to initiate a complaint in its own name. The 2014 amendment commenced on publication of Proclamation R.10 of 2015 on **13 March 2015**. **C_ZA-P10-C001–C003.** [South African Government+1](https://www.gov.za/sites/default/files/gcis_document/201409/37665gon389.pdf)\n\n“Any person” is broad standing language for the complaint-submission gateway. It does not mean that every allegation is within NCR jurisdiction, that every complainant has standing for every later private remedy, or that an anonymous submission must be accepted. The conduct still must be capable of constituting an NCA contravention or another matter the NCA empowers the NCR to handle. **C004.**\n\n## G1.2 Ordinary debt-counsellor conduct versus other disputes\n\nFor this pass, examples of potentially relevant NCA complaint subjects include allegations that a debt counsellor:\n\n- performed statutory debt counselling contrary to the NCA;\n- failed to comply with a condition of registration;\n- misrepresented the nature or consequences of debt review;\n- placed a consumer under debt review without informed participation;\n- charged or administered an amount contrary to a legally applicable NCA rule or registration condition; or\n- acted through an unregistered person who held themselves out as authorised.\n\nThose examples are complaint classifications only. Whether any conduct actually contravenes the NCA depends on the operative provision, current conditions, actor status and evidence. NCR media material reports receiving complaints about misleading debt-counselling enrolment, but a media release is not proof of the elements or result of any individual case. **C005–C006.** [NCR](https://www.ncr.org.za/documents/BEWARE%20OF%20MISLEADING%20AND%20PROHIBITED%20PRACTICES%20BY%20DEBT%20COUNSELLORS_Media%20release%20August%202024_1.pdf)\n\nDistinct matters may instead belong, wholly or partly, to another body or process:\n\n| Matter alleged | Initial route distinction |\n| --- | --- |\n| NCA debt-counsellor conduct or registration condition | NCR/NCA gateway may apply |\n| A private non-NCA consulting contract | Consumer-contract or civil route may be material; P08 remains unreviewed |\n| Reserved legal practice or attorney trust money | Legal Practice Council/court route may be material |\n| Creditor-side debt collection | Council for Debt Collectors, court or creditor-law route may be material |\n| Financial-product advice or intermediary service | FSCA/FAIS route may be material |\n| Credit-bureau dispute | Special NCA credit-information process may apply |\n| Criminal conduct beyond the NCA | Police/NPA route may be material |\n| Provincial consumer-law dispute | Provincial consumer-affairs or consumer-court route may be material |\n| CPA supplier conduct | NCC/consumer-court/NCT or other CPA route may be material |\n\nP10 does not establish a universal forwarding duty from the NCR to every other regulator. It also does not determine which alternative body has jurisdiction over a specific set of facts. **C007.**\n\n## G1.3 Registered debt counsellor versus alleged unregistered actor\n\nThe NCA treats these as different regulatory branches.\n\nFor a **registered person or another person allegedly acting contrary to the NCA**, §55 permits a compliance notice on reasonable grounds. For an **unregistered person** engaging, offering to engage or holding themselves out as authorised to engage in an activity requiring registration, §54 permits a cessation notice. A complaint may provide information leading to either route, but neither notice follows automatically from a consumer’s allegation. **C008–C010.** [DTIC+1](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf)\n\nNo named provider, debt counsellor, registration number or registry entry was searched in P10. A workflow example referring to an “unregistered actor” is therefore hypothetical and means only that the allegation would require proof of both:\n\n1. activity requiring NCA registration; and\n2. absence of the required registration.\n\n**C011.**\n\n## G1.4 Form 29 and complaint content\n\nThe NCR’s current public **Form 29** identifies itself as the complaint-initiation form under §136. The main page requests:\n\n- complainant identity and contact information;\n- the institution, branch and representative concerned;\n- a short description of the complaint;\n- confirmation that the complainant wants NCR consideration;\n- signature; and\n- where relevant, authority for a representative.\n\nIt says the NCR may consider confidential information, communicate with other organisations and request a sworn statement. **C012–C014.** [NCR+1](https://www.ncr.org.za/documents/form%2029%20new.pdf)\n\nThe supplementary **Additional Complaint Form** says its completion is not mandatory, but a detailed complaint is required. It asks for:\n\n- specific dates;\n- steps already taken to resolve the matter;\n- supporting documents;\n- the outcome sought; and\n- preferred contact information.\n\nThe request to describe earlier resolution attempts is evidentiary and administrative. Neither §136 nor the material read establishes a general rule that every ordinary debt-counsellor complaint must first exhaust an internal provider process. A special product-specific process may impose a prior step, but it should not be imported into every debt-counsellor complaint without its own authority. **C015–C016.** [NCR](https://www.ncr.org.za/documents/form%2029%20new.pdf)\n\n## G1.5 Representation and third-party assistance\n\nForm 29 permits signature by a person duly authorised to act for the complainant and refers to a power of attorney complying with regulation 50. It also contemplates initiation through the NCR call centre. **C017.** [NCR](https://www.ncr.org.za/documents/form%2029%20new.pdf)\n\nThis pass did not establish the complete, currently operative body of regulation 50 through a final consolidated regulations source. The current form itself is official evidence of the NCR’s requested documentation, but it is not a substitute for a complete 2026 regulation-currentness audit. The exact third-party-authority documents therefore remain a limited source gap. **C018.**\n\n## G1.6 Anonymous and own-initiative branches\n\nThe materials read do not establish a complete anonymous-consumer complaint route. Form 29 requests identifying information and signature. It would be too strong to conclude from that alone that the NCR can never receive or consider anonymous information.\n\nSeparately, NCA §136(2) permits the NCR to **initiate a complaint in its own name**. Information received from the public may conceivably inform such a decision, but P10 does not establish that an anonymous report creates a right to have the NCR initiate a complaint. **C019–C020.**\n\n## G1.7 Confidentiality is qualified, not absolute\n\nForm 29 warns that confidential information may be considered and exchanged with other organisations for handling the complaint. NCA §156 makes improper disclosure of confidential information an offence but permits disclosure for proper administration or enforcement of the NCA, administration of justice, or to an authorised inspector, regulator or Tribunal member. Tribunal hearings are generally public, subject to the presiding member’s power to protect confidential information or exclude persons where justified. **C021–C023.** [NCR+2](https://www.ncr.org.za/documents/form%2029%20new.pdf)\n\nAccordingly, “confidential complaint” should not be published as a promise that the provider will never learn the allegation, evidence will never be shared, or later proceedings will be private.\n\n## G1.8 Receipt, acknowledgement and operating targets\n\nNCR Circular 03 of 2025 describes the Call Centre and Complaints Department as attending to complaints from registrants and the public, and in some instances mediating between consumers and NCR registrants including debt counsellors. Its table identifies administrative turnaround targets for acknowledgement, assessment/reference allocation and later enquiries. The Investigations and Enforcement Department has separate listed service targets. **C024–C025.** [NCR+1](https://www.ncr.org.za/documents/Circulars/Circular%203%20of%202025%20-%20NCR%20Contact%20Details%20final.pdf)\n\nThose figures are **administrative service targets in a contact circular**, not statutory deadlines for completing an investigation, reaching a decision, issuing a refund or resolving a complaint. Section 139 says an inspector-directed investigation is to proceed “as quickly as practicable”; it does not supply a universal 30-day or other fixed completion period. **C026.** [DTIC](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf)\n\n# G2. Assessment, investigation, resolution, non-referral and referral\n\n## G2.1 Initial NCR choices are discretionary\n\nUpon initiating or accepting a complaint, NCA §139(1) says the NCR **may**:\n\n1. issue a notice of non-referral if the complaint appears frivolous or vexatious, or alleges no facts which, if true, would ground a remedy under the NCA;\n2. refer a matter concerning reckless credit or possible over-indebtedness to a debt counsellor;\n3. refer a dispute to the ombud with jurisdiction, a consumer court or an alternative-dispute-resolution agent to help resolve it under §134; or\n4. direct an inspector to investigate any other case as quickly as practicable.\n\nThe use of “may” matters. Submission of Form 29 does not create an absolute duty to launch a formal investigation. **C027–C030.** [DTIC+1](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf)\n\n## G2.2 Initial non-referral\n\nAn initial non-referral may be issued where the complaint appears:\n\n- frivolous;\n- vexatious; or\n- devoid of allegations that, if true, would provide grounds for a remedy under the NCA.\n\nThat is a threshold assessment, not necessarily a finding that every factual allegation is false. The NCR’s public Form 29 says that where assessment indicates a lack of reasonable suspicion of prohibited conduct, a complainant may request a notice of non-referral to enable a contemplated direct referral under §141. **C031–C032.** [DTIC+1](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf)\n\n## G2.3 Informal or voluntary resolution\n\nThe NCR’s published contact circular says its complaints department sometimes mediates between consumers and registrants. The NCA also permits referral to an ombud, consumer court or ADR agent for assistance under §134. **C033.** [NCR+1](https://www.ncr.org.za/documents/Circulars/Circular%203%20of%202025%20-%20NCR%20Contact%20Details%20final.pdf)\n\nAn informal settlement is not automatically an NCT order. Under §138:\n\n- a resolution reached through an ombud, consumer court or ADR agent; or\n- an agreement reached after an NCR investigation between the NCR and respondent,\n\nmay be confirmed by the Tribunal or a court as a consent order. Where the agreement follows an NCR investigation, a confirmed consent order may include damages **with the complainant’s consent**. **C034–C035.** [DTIC+1](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf)\n\nThis means:\n\n- a voluntary provider refund is not necessarily an admission or NCT order;\n- an NCR recommendation is not itself a binding consent order; and\n- damages in a consent order require the statutory agreement, confirmation and consent predicates.\n\n## G2.4 Formal investigation powers\n\nWhen an inspector is directed to investigate, the NCR may:\n\n- designate assistants;\n- summon a person believed able to provide relevant information;\n- require attendance for questioning;\n- require production of books, documents or other objects;\n- require truthful answers subject to the privilege against self-incrimination; and\n- use the response in accordance with the statutory evidentiary limitations.\n\nThe inspector must inform the person questioned of the self-incrimination protection. **C036–C038.** [DTIC](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf)\n\nThe complaint form’s request for documents is different from an inspector’s statutory summons. A consumer’s incomplete document set may affect assessment, but it is not itself the same as noncompliance with a formal investigation summons.\n\n## G2.5 Post-investigation outcomes\n\nAfter an investigation, §140 says the NCR may:\n\n- issue a notice of non-referral;\n- refer suspected prohibited conduct to the appropriate consumer court or the NCT;\n- make an application to the NCT where another NCA provision permits such an application; or\n- refer an apparent NCA offence to the NPA.\n\nThe NCR’s belief that prohibited conduct occurred is a referral threshold, not the final Tribunal finding. **C039–C041.** [DTIC](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf)\n\n## G2.6 Provincial consumer-court routing\n\nWhere prohibited conduct is believed, the NCR may refer the matter to:\n\n- the consumer court of the province where the consumer resides;\n- the consumer court of the province where the credit provider has its principal South African place of business, where the statutory conditions are met; or\n- the NCT.\n\nIf there is no applicable consumer court, the NCR may use another province’s consumer court where convenience or justice permits, or the NCT. Provincial legislation governs the operation of a consumer court, so the national NCA text does not establish that every province has the same court, process, powers in practice, forms or venue rules. **C042–C044.** [DTIC](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf)\n\nNo provincial consumer-court statute or procedure was substantively examined in P10.\n\n## G2.7 Direct referral after NCR non-referral\n\nIf the NCR issues a notice of non-referral in response to a complaint—other than a complaint concerning NCA §61 or an offence—the complainant may refer the matter directly to:\n\n- the consumer court in the province where the complainant resides or the respondent has its principal South African place of business, subject to provincial law; or\n- the NCT, **with the leave of the Tribunal**.\n\nA Tribunal referral must use the prescribed form. **C045–C047.** [DTIC](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf)\n\nThis does not mean the complaint proceeds automatically on the merits once a non-referral is obtained. A direct NCT referral has at least two distinct gates:\n\n1. the procedural filing package and time requirements; and\n2. leave of the Tribunal.\n\n## G2.8 Current NCT procedural-rule gap\n\nThe NCT currently publishes a compiled PDF titled **Rules for the Conduct of Matters before the National Consumer Tribunal, as amended**, but the 199-page PDF timed out when opened in P10. One attempt was made; no identical retry or workaround was used. **C048.** [NCT](https://www.thenct.org.za/wp-content/uploads/2025/11/RULES-FOR-THE-CONDUCT-OF-MATTTERS-BEFORE-THE-NATIONAL-CONSUMER-TRIBUNAL-AS-AMENDED-ENGLISH-1.pdf)\n\nA 2014 Gazette document contains proposed amendments and forms addressing direct referrals, leave and condonation, but that Gazette is expressly a **draft** and cannot be used as the operative procedural authority. P10 therefore does not certify:\n\n- the current §141 filing period;\n- the present form number;\n- the exact supporting documents;\n- whether the current rules allow condonation for a particular missed §141 period; or\n- the current leave test.\n\n**C049–C050.**\n\nThe 20-business-day provisions in NCA §137 apply to the identified applications in that section—such as certain registrant decisions and failed ADR applications. They should not be transplanted automatically into every §141 direct referral. **C051.** [DTIC](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf)\n\n## G2.9 Costs and adverse direct-referral branch\n\nOrdinarily, each participant bears its own Tribunal costs. But in a complaint directly referred under §141(1), the Tribunal may award costs:\n\n- against the complainant and to the respondent if no finding is made against the respondent; or\n- against the respondent and to the complainant if a finding is made.\n\nThat is a statutory possibility, not a prediction in any hypothetical case. **C052.** [DTIC](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf)\n\n## G2.10 Appeals and reviews\n\nA participant in a hearing before a single Tribunal member may appeal to a full Tribunal panel. Subject to High Court rules, a participant before a full panel may seek High Court review or, except for specified categories, appeal. These routes attach to Tribunal decisions; they are not a general “appeal” from every NCR administrative communication. **C053.** [DTIC](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf)\n\nThe separate objection in §56 concerns a person **issued with an NCR notice under §54 or §55**. It is not the complainant’s route from an NCR non-referral. Confusing those routes would assign the wrong actor, trigger and deadline. **C054.** [DTIC](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf)\n\n## G2.11 Limitation period\n\nSection 166 says a complaint may not be referred or made to the Tribunal or a consumer court more than **three years after**:\n\n- the act or omission causing the complaint; or\n- for a course of conduct or continuing practice, the date the conduct or practice ceased.\n\nIt also restricts a further NCA referral against a person who is or has been respondent in another NCA proceeding relating substantially to the same conduct. **C055–C056.** [DTIC+1](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf)\n\nThe section speaks to referral or making of the complaint to the NCT or consumer court. P10 does not determine every issue about when an NCR Form 29 submission, non-referral, NCT filing or consumer-court filing is legally “made” for limitation purposes. No general condonation power overriding §166 was established from the material read. **C057.**\n\n# G3. Compliance notices, public enforcement, NCT orders and private-consequence boundary\n\n## G3.1 Section 54 cessation notice for an alleged unregistered actor\n\nWhere the NCR believes a person:\n\n- is engaging, offering to engage, or holding themselves out as authorised to engage in an activity requiring NCA registration; and\n- is not registered for that activity,\n\n§54 permits the NCR to issue a prescribed notice requiring the activity to stop. The notice must identify the person, activity, cessation date, basis for requiring registration and possible statutory penalty. It remains in force until registration is issued or the notice is set aside through the applicable process. Failure to comply is an offence. **C058–C060.** [DTIC+1](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf)\n\nA consumer allegation does not itself create the §54 notice. The activity and registration status must be established by the competent authority.\n\n## G3.2 Section 55 compliance notice\n\nThe NCR may issue a §55 compliance notice where it reasonably believes that:\n\n- a person or association has failed to comply with an NCA provision;\n- an activity is being conducted inconsistently with the NCA; or\n- a registrant has failed to comply with a condition of registration.\n\nThe notice must identify the relevant provision or condition, nature and extent of noncompliance, required corrective steps, completion period and potential penalty. It remains in force until set aside or until the NCR issues a compliance certificate after compliance. **C061–C063.** [DTIC+2](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf)\n\nIf the recipient neither complies nor objects and the failure is an offence, the NCR may refer it to the NPA; otherwise it may refer the matter to the Tribunal for an appropriate order. **C064.** [DTIC](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf)\n\n## G3.3 Objection to an NCR notice\n\nA person issued with a §54 or §55 notice may apply to the NCT to review the notice within:\n\n- **15 business days after receipt**; or\n- a longer period allowed by the Tribunal on good cause.\n\nThe Tribunal may confirm, modify or cancel all or part of the notice. If confirmed or modified, the recipient must comply within the period specified. **C065–C066.** [DTIC+1](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf)\n\nThis clock belongs to the **notice recipient**, not to the original consumer complainant.\n\n## G3.4 Cancellation or suspension of registration\n\nUnder §57, registration may be cancelled by the **NCT**, on request by the NCR, if the registrant repeatedly:\n\n- fails to comply with registration conditions;\n- fails to meet a relevant statutory commitment; or\n- contravenes the NCA.\n\nA complaint, single allegation, NCR media statement or annual-report observation does not itself cancel registration. **C067–C068.** [DTIC+1](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf)\n\nThe NCT’s general order powers also include suspending or cancelling registration, subject to §57’s qualifications. **C069.** [DTIC](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf)\n\n## G3.5 Interim relief and no automatic collection stay\n\nSection 149 permits a complainant to **apply** to the NCT for an interim order at any time, whether or not the merits hearing has begun. The Tribunal may grant it only where:\n\n- evidence indicates the allegations may be true;\n- relief is reasonably necessary to prevent serious irreparable damage or frustration of the NCA’s purposes;\n- the respondent has a reasonable opportunity to be heard, considering urgency; and\n- the balance of convenience favours relief.\n\nAn interim order ends at the earlier of the complaint hearing’s conclusion or six months after issuance, subject to one further extension of up to six months on good cause. **C070–C071.** [DTIC+1](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf)\n\nThe existence of this separate application supports the bounded conclusion that a complaint alone does **not** automatically stay:\n\n- collection;\n- a lawsuit;\n- a scheduled court date;\n- contractual interest;\n- enforcement;\n- credit-bureau reporting; or\n- other legal consequences.\n\nA stay or protective order requires its own legal basis and order. **C072.**\n\n## G3.6 NCT remedial powers\n\nFor prohibited or required conduct, §150 permits the NCT to make appropriate orders including:\n\n- declaring conduct prohibited;\n- interdicting prohibited conduct;\n- imposing an administrative fine;\n- confirming a consent agreement;\n- condoning noncompliance with Tribunal rules on good cause;\n- confirming a cessation order against an unregistered person;\n- suspending or cancelling registration;\n- requiring repayment of an **excess amount charged**, with interest at the rate in the agreement; and\n- making another appropriate order to give effect to an NCA or CPA right.\n\n**C073–C075.** [DTIC+2](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf)\n\nThe “excess amount charged” power is not a universal instruction to refund every disputed debt-counselling fee. It requires:\n\n- an applicable legal standard defining an excess;\n- evidence of the amount charged;\n- a proper proceeding;\n- a Tribunal finding; and\n- an order.\n\n**C076.**\n\n## G3.7 Administrative fines\n\nSection 151 authorises the NCT to impose an administrative fine for prohibited or required conduct. The ceiling is the **greater of**:\n\n- 10% of the respondent’s annual turnover during the preceding financial year; or\n- **R1,000,000**.\n\nThe Tribunal must consider the nature, duration, gravity and extent of the contravention; loss or damage; respondent behaviour; market circumstances; profit derived; cooperation; and prior contraventions. **C077–C079.** [DTIC+2](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf)\n\nFor a person other than a credit provider, annual turnover is the amount determined in the prescribed manner. P10 did not independently establish the operative prescribed methodology for calculating a debt counsellor’s turnover. The worked arithmetic below therefore uses **stipulated hypothetical turnover**, not a legal finding about what turnover measure applies to a particular registrant. **C080.** [DTIC](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf)\n\nAn administrative fine is a public sanction payable to the National Revenue Fund. It is not compensation automatically paid to the complainant. **C081.** [DTIC](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf)\n\n## G3.8 Consent-order damages, excess-charge repayment and civil damages are distinct\n\nThree potentially consumer-facing monetary paths must not be merged:\n\n| Path | Legal mechanism | Core predicate |\n| --- | --- | --- |\n| Damages within a consent order | §138(2) | NCR-investigation agreement, confirmation and complainant consent |\n| Repayment of excess amount charged | §150(h) | NCT prohibited/required-conduct proceeding and specific order |\n| Civil damages | §164 | Tribunal finding/certificate and separate civil action, subject to statutory limits |\n\n**C082.** [DTIC+2](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf)\n\nSection 164 says a person seeking civil damages for prohibited or required conduct generally must file the Tribunal Chairperson’s prescribed certificate confirming the finding, date and relevant statutory section. An appeal or review suspends the right to commence the civil action. A person who consented to damages in a consent order may not bring the same civil damages action. **C083–C085.** [DTIC+1](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf)\n\nA regulatory finding therefore does not automatically deposit money into a complainant’s account or establish the amount of private loss.\n\n## G3.9 Contract and debt effects are not automatic\n\nThe NCA states that a credit agreement or provision is not void merely because it is prohibited or may be declared unlawful; an applicable court—and, subject to the separate current-law issue in the consolidation, potentially the Tribunal—must make the required declaration. Provider misconduct likewise does not automatically:\n\n- extinguish the consumer’s creditor debt;\n- release security;\n- void a judgment;\n- remove a debt-review status;\n- erase credit reporting; or\n- cancel the debt counsellor’s service contract.\n\n**C086–C087.** [DTIC+1](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf)\n\nP10 does not adopt the pending 2019 amendment language displayed in the dated consolidation as operative. The P02/P03 2019 commencement hold remains intact.\n\n## G3.10 Orders and review\n\nTribunal orders may be enforced as High Court orders under §152. Participants may use the applicable appeal/review routes in §148. A binding order is therefore materially different from:\n\n- a complaint acknowledgement;\n- an investigator’s view;\n- a recommendation;\n- a media release;\n- an annual-report compliance observation;\n- a voluntary provider response; or\n- an unconfirmed settlement.\n\n**C088–C089.** [DTIC+1](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf)\n\n# G4. Ten fictional complaint and enforcement workflows\n\nEach scenario is invented. No actual provider, complainant, registration, contract, case, complaint number or private record is used.\n\n## Workflow 1 — Alleged unperformed aftercare\n\n**Assumed facts**\n\n- A consumer says a registered debt counsellor charged recurring aftercare amounts for three months.\n- The consumer alleges no aftercare work occurred.\n- The current legal force of the fee structure is not assumed.\n- The alleged provider’s registration and conditions have not been checked.\n\n**Classification**\n\nA Form 29 complaint could describe the dates, invoices, promised services, communications, work allegedly omitted and requested outcome. The NCR would still need a legally applicable provision or registration condition and evidence of the actual conduct. The complaint cannot rely merely on an unreviewed P05 or P07 fee conclusion. **C012–C016, C027–C031.**\n\n**Power versus duty**\n\nThe NCR may assess, non-refer, mediate, redirect or investigate; it is not automatically required to prosecute.\n\n**Possible public outcome**\n\nIf an applicable NCA rule or condition were established, the matter might lead to compliance action or referral. A refund would still require voluntary resolution, a consent order, an NCT excess-charge order or another applicable legal remedy. **C061–C076.**\n\n**Adverse branch**\n\nRecords might show that services were rendered, that a different actor charged the amount, or that the dispute is primarily contractual rather than an NCA contravention.\n\n**Missing evidence**\n\nCurrent fee authority/condition, service agreement, invoices, service records, provider identity and consumer communications.\n\n## Workflow 2 — Fee quotation where current authority is unresolved\n\n**Assumed facts**\n\n- A consumer receives a quotation referring to a fee as “required by the NCR.”\n- The amount appears in an older guidance document.\n- No current Ministerial instrument or fee-incorporation condition has been established.\n\n**Classification**\n\nThe complaint would need to distinguish:\n\n1. alleged misrepresentation;\n2. the amount actually charged;\n3. the legal source claimed by the provider; and\n4. whether the conduct falls under the NCA or another consumer-contract regime.\n\nP07’s reviewed conclusion that current incorporation remained unresolved is preserved. P09 awaits review. **C005–C007, C073–C076.**\n\n**Adverse branch**\n\nThe provider might accurately describe the amount as its own disclosed price rather than a legally mandated tariff; that would change the issue but would not necessarily settle contract fairness or professional permission.\n\n**No automatic effect**\n\nA quotation alone does not establish an excess charge, refund, fine or registration breach.\n\n**Missing evidence**\n\nFinal operative fee authority, registration conditions, complete quote, invoice and actual payment.\n\n## Workflow 3 — Consumer could not reach the debt counsellor first\n\n**Assumed facts**\n\n- A consumer attempted email and telephone contact with the service office.\n- No response arrived.\n- The Form 29 supplementary page asks what earlier steps were taken.\n\n**Classification**\n\nThose attempts are useful evidence of chronology and attempted informal resolution. But the ordinary §136 text read in P10 does not impose a general internal-exhaustion requirement before every debt-counsellor complaint. **C015–C016.**\n\n**NCR branch**\n\nThe complaints department may mediate in some matters or proceed to another assessment option.\n\n**Adverse branch**\n\nA different complaint category—such as a credit-bureau information dispute—may have an express prior process. That special rule should not be imported into this hypothetical debt-counsellor complaint.\n\n**Missing evidence**\n\nCorrect contact details, service agreement, communications, urgency and exact alleged NCA provision.\n\n## Workflow 4 — NCR issues a notice of non-referral\n\n**Assumed facts**\n\n- The NCR concludes that the complaint alleges no facts which, if true, would ground an NCA remedy.\n- It issues a formal notice of non-referral.\n- The complaint is not one concerning NCA §61 or an offence.\n\n**Classification**\n\nSection 141 permits a direct referral to the relevant provincial consumer court or, with NCT leave, to the Tribunal. **C031–C032, C045–C047.**\n\n**Current procedural gap**\n\nThe current 199-page NCT rules body could not be opened. No exact filing deadline or form is stated here. The 20-business-day periods in §137 are not presumed to be the §141 period. **C048–C051.**\n\n**Adverse branch**\n\nA direct NCT referral can fail at the leave stage or merits stage and may expose the direct complainant to a possible costs order if no finding is made. **C052.**\n\n**Missing evidence**\n\nCurrent NCT rules, formal non-referral notice, leave papers, service proof and limitation calculation.\n\n## Workflow 5 — NCR investigates and refers public enforcement\n\n**Assumed facts**\n\n- The NCR accepts an allegation that a registered debt counsellor repeatedly misled consumers.\n- An inspector obtains records and testimony.\n- The NCR believes prohibited conduct occurred.\n\n**Classification**\n\nThe NCR may refer the matter to the NCT or an appropriate consumer court. The regulator, not the original complainant, determines the public-enforcement case it advances. **C036–C044.**\n\n**Possible orders**\n\nA competent adjudicator could declare prohibited conduct, interdict it, impose a fine, order repayment of an excess charge, or suspend/cancel registration where statutory predicates are proved. **C067–C079.**\n\n**Adverse branch**\n\nInvestigation may instead produce non-referral, a narrower allegation or referral to another authority.\n\n**Missing evidence**\n\nActual investigation record, applicable condition, statutory charge, respondent’s answer and adjudicative finding.\n\n## Workflow 6 — Voluntary resolution becomes a consent order\n\n**Assumed facts**\n\n- During an NCR investigation, the NCR and respondent agree that the respondent will correct records and reimburse an identified amount.\n- The complainant agrees to damages language.\n- The proposed resolution is presented for confirmation.\n\n**Classification**\n\nA Tribunal or court may confirm the agreement as a consent order under §138. With complainant consent, the order may include damages. **C034–C035, C082.**\n\n**Distinction**\n\nBefore confirmation, the negotiated resolution is not yet the same as a binding Tribunal order.\n\n**Adverse branch**\n\nThe adjudicator may decline confirmation, require changes or identify jurisdictional defects.\n\n**Missing evidence**\n\nWritten agreement, complainant consent, legal basis, confirmed order and proof of compliance.\n\n## Workflow 7 — NCT cancellation or fine versus consumer refund\n\n**Assumed facts**\n\n- A debt counsellor is found to have repeatedly contravened the NCA.\n- Stipulated preceding-year annual turnover for illustration only is **R6,000,000**.\n\n**Administrative-fine ceiling illustration**\n\n- 10% × R6,000,000 = **R600,000**\n- Alternative statutory floor/ceiling comparator = **R1,000,000**\n- Greater amount = **R1,000,000**\n\nIf instead stipulated turnover were **R25,000,000**:\n\n- 10% × R25,000,000 = **R2,500,000**\n- Comparator = **R1,000,000**\n- Greater amount = **R2,500,000**\n\nThese are ceiling calculations, not predicted sanctions. For a debt counsellor or other non-credit-provider respondent, the exact prescribed turnover methodology was not established here. **C077–C081.** [DTIC+1](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf)\n\n**Cancellation branch**\n\nRegistration cancellation requires an NCR request, repeated failure/contravention and an NCT order under §57. **C067–C069.**\n\n**Consumer-money branch**\n\nA public fine is not the consumer’s refund. A refund, damages or excess-charge repayment requires a separate lawful basis and order or agreement. **C076, C081–C085.**\n\n## Workflow 8 — Complaint during active collection litigation\n\n**Assumed facts**\n\n- A creditor has an active collection case.\n- The consumer submits a complaint about the debt counsellor.\n- No court or Tribunal has granted interim relief.\n\n**Classification**\n\nSubmission of the complaint does not automatically stay the collection action, court date, interest, enforcement or credit reporting. **C070–C072.**\n\n**Possible separate route**\n\nSection 149 permits an interim-relief application, but only upon evidence, necessity, opportunity to be heard and balance-of-convenience findings. Relief is not automatic merely because a complaint exists.\n\n**Adverse branch**\n\nThe collection court may have its own powers and deadlines that continue independently.\n\n**Missing evidence**\n\nCourt papers, debt-review status, interim-relief application, actual order and service dates.\n\n## Workflow 9 — Matter may belong to another regulator\n\n**Assumed facts**\n\n- The alleged service combines debt counselling, drafting court documents and financial-product recommendations.\n- No professional status has been verified.\n\n**Classification**\n\nThe NCR can address NCA conduct within its mandate. Reserved legal work may require Legal Practice Council/court scrutiny; regulated financial advice may require FSCA analysis. The materials read do not establish a universal duty for the NCR to determine or forward every non-NCA issue. **C007.**\n\n**Adverse branch**\n\nThe same facts could raise parallel but legally distinct questions before more than one body.\n\n**Missing evidence**\n\nActual services, product classification, professional credentials, mandate and funds flow.\n\n## Workflow 10 — Alleged unregistered debt counsellor\n\n**Assumed facts**\n\n- A caller describes themselves as an “NCR debt counsellor.”\n- The consumer alleges statutory debt-review functions were performed.\n- No registry check was conducted in P10.\n\n**Classification**\n\nThe allegation potentially implicates §54 only if:\n\n1. the activity legally required registration;\n2. the actor performed, offered or held themselves out as authorised for that activity; and\n3. the actor lacked the required registration.\n\nThe NCR may issue a cessation notice, and the NCT may confirm an order against an unregistered person. **C058–C060, C073–C075.**\n\n**Adverse branch**\n\nThe actor might be performing only administrative tasks for a registered individual or might not be performing statutory debt counselling at all. Those facts matter.\n\n**Missing evidence**\n\nActor identity, actual services, representations, contractual role and official registration status.\n\n## Workflow 11 — Statutory clock examples\n\n### Clock A: §56 objection by recipient of an NCR notice\n\n**Assumed facts**\n\n- A §54 or §55 notice is actually received on **Monday, 2 February 2026**.\n- No special service dispute exists.\n- No public holiday falls within the calculated period.\n- The NCA’s business-day rule applies.\n- No Tribunal extension has yet been granted.\n\nThe trigger date is excluded. Saturdays, Sundays and public holidays are excluded. The count is:\n\n| Business-day number | Date |\n| --- | --- |\n| 1 | Tuesday, 3 February 2026 |\n| 2 | Wednesday, 4 February |\n| 3 | Thursday, 5 February |\n| 4 | Friday, 6 February |\n| 5 | Monday, 9 February |\n| 6 | Tuesday, 10 February |\n| 7 | Wednesday, 11 February |\n| 8 | Thursday, 12 February |\n| 9 | Friday, 13 February |\n| 10 | Monday, 16 February |\n| 11 | Tuesday, 17 February |\n| 12 | Wednesday, 18 February |\n| 13 | Thursday, 19 February |\n| 14 | Friday, 20 February |\n| 15 | **Monday, 23 February 2026** |\n\nUnder the assumptions, the 15th business day is **23 February 2026**. Section 56 also allows a longer period on good cause. This is not the complainant’s deadline after non-referral. **C053–C054, C065–C066, C090.** [DTIC+1](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf)\n\n### Clock B: §166 three-year outer period\n\n**Assumed one-time act**\n\n- Act or omission: **15 March 2024**\n- Three-year point: **15 March 2027**\n\n**Assumed continuing practice**\n\n- Practice ceases: **30 June 2025**\n- Three-year point: **30 June 2028**\n\nThese dates illustrate the statutory anniversary arithmetic only. The exact last permissible filing moment, receipt mechanics, effect of pending NCR assessment and any other applicable limitation doctrine are not decided here. **C055–C057, C091.** [DTIC](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf)\n\n# G5. Reviewed P07 D06 gap reconciliation\n\n| Reviewed row | Original reviewed wording | P10 finding | Disposition |\n| --- | --- | --- | --- |\n| **P07 D06 — Regulatory complaints and sanctions** | excluded_with_reason — No procedure invoked or case researched | National generic NCA complaint intake, NCR assessment/investigation, non-referral, direct-referral gateway, compliance notices, NCT public orders, fines and private-remedy boundaries are now researched. No complaint or case was initiated. | **Partial substantive completion.** National generic gateway answered; current NCT procedural rules, all provincial routes, actual facts, current registration conditions, private remedies and broader legal domains remain open. **C001–C091.** |\n| **P07 annual-report practice** | Dated generic practice evidence only | Not used to prove the elements or result of an individual complaint. | **Preserved.** |\n| **P09 repairs** | Saved, awaiting review | No P09 conclusion adopted as reviewed premise. | **Held.** |\n| **P06 PDA report** | Saved, unreviewed | No payment/client-money conclusion adopted. | **Held.** |\n| **P08 CPA/ECTA report** | Saved, unreviewed | No consumer-contract or cooling-off conclusion adopted. | **Held.** |\n| **Whole country/A097/A098** | Unaccepted | P10 is a national generic regulator/NCT gateway only. | **Held.** |\n\n# Process and consequence crosswalk\n\n| Stage | Actor | Power or required act | Possible result | What it does not prove |\n| --- | --- | --- | --- | --- |\n| Complaint initiation | Any person / NCR itself | §136 complaint or own initiative | NCR assessment begins | Merits, registration status or remedy |\n| Administrative intake | NCR Complaints Department | Receive, assess, sometimes mediate | Acknowledgement/reference/possible resolution | Statutory resolution deadline |\n| Initial assessment | NCR | §139 choices | Non-referral, redirection or investigation | Mandatory investigation |\n| Investigation | NCR inspector | Summons, documents, questioning | Evidentiary record | Contravention finding |\n| Post-investigation decision | NCR | §140 choices | Non-referral, NCT/consumer-court referral, application or NPA referral | Final public order |\n| Non-referral response | Complainant | §141 direct-referral possibility | Provincial court or NCT leave application | Automatic leave or merits success |\n| Informal settlement | Parties/NCR/ADR | Voluntary agreement | Resolution | Binding Tribunal order |\n| Consent order | Tribunal/court | Confirm qualifying agreement | Binding consent order; possible agreed damages | Automatic award without consent/confirmation |\n| Compliance notice | NCR | §55 notice | Corrective obligations | Fine/refund by itself |\n| Unregistered-person notice | NCR | §54 notice | Cessation requirement | Proven offence or damages by itself |\n| Notice objection | Recipient/NCT | §56 review | Confirm, modify or cancel notice | Complainant’s non-referral appeal |\n| Public enforcement | NCR/NCT/consumer court | Referral, hearing, proof | Prohibited-conduct finding and orders | Private damages automatically |\n| Interim relief | Complainant/NCT | Separate §149 application | Temporary order if all predicates met | Automatic stay from complaint |\n| Registration cancellation | NCR/NCT | NCR request and repeated conduct | NCT cancellation | Automatic cancellation on allegation |\n| Administrative fine | NCT | §151 finding and factors | Public fine | Consumer refund |\n| Excess-charge repayment | NCT | §150(h) order | Repayment plus agreement-rate interest | Universal fee refund |\n| Civil damages | Consumer/civil court | §164 certificate and civil proceedings | Possible private damages | Automatic award from NCR complaint |\n\n# Full source register — C_ZA-P10-S001 onward\n\nAll fresh sources were accessed on **26 October 2026 PDT / 27 October 2026 UTC**. Exact individual access times are unknown.\n\n| Source ID | Issuer, title and complete literal HTTPS URL | Exact provisions/pages actually read | Status, version and limits |\n| --- | --- | --- | --- |\n| **C_ZA-P10-S001** | dtic, *National Credit Act 34 of 2005* dated consolidation. https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf | §2(5) **PDF P13**; §§52–57 **P36–38**; §§137–142 **P89–92**; §§147–152 **P92–95**; §156 **P96–97**; §§164–168 **P100–102**. Official Gazette printed-page mapping was not independently established for this compilation. | **Fresh material provisions read and page images inspected.** Dated consolidation contains pending 2019 amendments and is not certified as a complete October 2026 consolidation. Current-law conclusions are limited to the operative text separately supported and the displayed amendment notes. [DTIC+8](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf) |\n| **S002** | Parliament/Presidency, *National Credit Amendment Act 19 of 2014*, GG37665, GoN389, 19 May 2014. https://www.gov.za/sites/default/files/gcis_document/201409/37665gon389.pdf | Amendment of §136, clause 36, **zero-based PDF P14; internal printed Act page 28**. | **Fresh enacted primary body read.** Supports “any person” complaint wording. Commencement established separately by S003. [South African Government](https://www.gov.za/sites/default/files/gcis_document/201409/37665gon389.pdf) |\n| **S003** | President, *Commencement of the National Credit Amendment Act 19 of 2014*, Proclamation R.10 of 2015, GG38557, 13 March 2015. https://www.gov.za/sites/default/files/gcis_document/201503/38557reg10382pro10.pdf | Entire proclamation, **PDF P0 / printed GG p3**. | **Fresh primary body read.** Brings Act 19/2014 into operation on publication. It is not the 2019 debt-intervention commencement instrument. [South African Government](https://www.gov.za/sites/default/files/gcis_document/201503/38557reg10382pro10.pdf) |\n| **S004** | National Credit Regulator, *NCR Form 29 — Complaint Initiation Form*. https://www.ncr.org.za/documents/form%2029%20new.pdf | Main complaint form **PDF P0 / printed p1**; supplementary complaint details **P1**; supporting documents/outcome/non-referral/limitation notice **P2 / printed p2**. | **Fresh official form body read and all pages visually inspected.** Administrative/prescribed-form evidence, not proof of the merits or current regulation-50 text. [NCR+2](https://www.ncr.org.za/documents/form%2029%20new.pdf) |\n| **S005** | NCR, *Circular 03 of 2025 — Updated Contact Details*, June 2025. https://www.ncr.org.za/documents/Circulars/Circular%203%20of%202025%20-%20NCR%20Contact%20Details%20final.pdf | Complaints mandate and target table **PDF P3 / printed p4**; investigations/enforcement mandate and target table **P4 / printed p5**. | **Fresh official circular read and page images inspected.** Administrative contact/service-target guidance, not an NCA statutory turnaround period or decision guarantee. [NCR+1](https://www.ncr.org.za/documents/Circulars/Circular%203%20of%202025%20-%20NCR%20Contact%20Details%20final.pdf) |\n| **S006** | NCR, *Debt Counselling — A Debt Relief Measure for Over-Indebted Consumers*, August 2022. https://www.ncr.org.za/documents/Media%20release%20-%20Debt%20counselling%20Campaign(August)-Final.pdf | General debt-counselling and complaint/registration guidance, **PDF P0–P3**. | **Fresh official regulator explanation.** Guidance/media material, not a statutory complaint adjudication or current fee instrument. [NCR](https://www.ncr.org.za/documents/Media%20release%20-%20Debt%20counselling%20Campaign%28August%29-Final.pdf) |\n| **S007** | NCR, *Beware of Misleading and Prohibited Practices by Debt Counsellors*, August 2024. https://www.ncr.org.za/documents/BEWARE%20OF%20MISLEADING%20AND%20PROHIBITED%20PRACTICES%20BY%20DEBT%20COUNSELLORS_Media%20release%20August%202024_1.pdf | Reported complaint trends and misleading-enrolment warning, **PDF P0–P2**. | **Fresh official regulator media body read.** Evidence of reported regulator concerns only; not proof of a particular contravention or enforcement result. [NCR](https://www.ncr.org.za/documents/BEWARE%20OF%20MISLEADING%20AND%20PROHIBITED%20PRACTICES%20BY%20DEBT%20COUNSELLORS_Media%20release%20August%202024_1.pdf) |\n| **S008** | NCR, *Complaint Forms* public index. https://ncr.org.za/act/list-of-forms/category/31-complaint-forms | Generic HTML page and complaints/form-navigation entries; PDF index not applicable. | **Fresh public index read.** Current navigation evidence only; page rendering contains unrelated legacy content and is not a substitute for Form 29 itself. [NCR](https://ncr.org.za/act/list-of-forms/category/31-complaint-forms) |\n| **S009** | National Consumer Tribunal, *Rules for the Conduct of Matters before the National Consumer Tribunal, as amended — English*. https://www.thenct.org.za/wp-content/uploads/2025/11/RULES-FOR-THE-CONDUCT-OF-MATTTERS-BEFORE-THE-NATIONAL-CONSUMER-TRIBUNAL-AS-AMENDED-ENGLISH-1.pdf | Search metadata identifies a **199-page** current compiled rules PDF; direct open failed by timeout. No page body was read. | **Failed current primary candidate.** One attempt only; no identical retry or workaround. It cannot support a current filing deadline, form or leave test in P10. [NCT](https://www.thenct.org.za/wp-content/uploads/2025/11/RULES-FOR-THE-CONDUCT-OF-MATTTERS-BEFORE-THE-NATIONAL-CONSUMER-TRIBUNAL-AS-AMENDED-ENGLISH-1.pdf) |\n| **S010** | NCT, official home page. https://www.thenct.org.za/ | HTML statement that cases proceed under the Tribunal Rules; PDF page not applicable. | **Fresh official metadata/navigation source.** Does not supply the detailed current rule text. [NCT](https://www.thenct.org.za/) |\n| **S011** | Minister, *Regulations for matters relating to the functions of the Tribunal and Rules for conduct of matters before the Tribunal — amendment*, GG34405, GN428, 29 June 2011. https://www.gov.za/sites/default/files/gcis_document/201409/34405gen428.pdf | Historical Tribunal-rules amendment body; source identity and selected procedural architecture reviewed. | **Official historical final rules source**, but not used to certify the complete current §141 filing package in 2026. |\n| **S012** | Minister, *Draft National Credit Regulations and draft Tribunal Rules amendments*, GG37882, GoN R597, 1 August 2014. https://www.gov.za/sites/default/files/gcis_document/201409/37882rg10242gon597.pdf | Draft rules and tables concerning direct referrals/condonation around **PDF P203–P204 and P211; printed GG pp206–207 and 214**. | **Fresh official draft body identified and relevant pages inspected previously.** Expressly draft; not used as operative procedural authority. [South African Government](https://www.gov.za/sites/default/files/gcis_document/201409/37882rg10242gon597.pdf) |\n| **S013** | South African Government, *Public Holidays in South Africa*. https://www.gov.za/about-sa/public-holidays | 2026 public-holiday list; HTML, no PDF index. | **Fresh official public-information source.** Used only for the fictional §56 business-day calculation. [South African Government](https://www.gov.za/about-sa/public-holidays) |\n| **S014** | dtic/NCR, *NCR Annual Report 2024/25*. https://www.thedtic.gov.za/wp-content/uploads/NCR-Annual-Report-2024_2025.pdf | Prior P07 source: debt-counselling compliance practice around **PDF P44–P45 / printed pp43–44**. | **Precisely attributable prior reviewed context, not used to prove the elements or outcome of an actual complaint.** It remains dated practice evidence only. [DTIC](https://www.thedtic.gov.za/wp-content/uploads/NCR-Annual-Report-2024_2025.pdf) |\n\n# Complete atomic claim/evidence register — C_ZA-P10-C001 onward\n\nA097/A098 means the claim is national and bounded; neither area is accepted.\n\n| Claim ID | Area | Exact actor, predicate, act and effect | Primary source/pinpoint | Exception, currentness or application hold |\n| --- | --- | --- | --- | --- |\n| **C_ZA-P10-C001** | A097/A098 held | Any person may submit a complaint concerning an alleged NCA contravention or reckless credit in prescribed form. | S002 cl36, PDF P14; NCA §136. | Jurisdiction and later standing still require classification. |\n| **C002** | Held | NCR may initiate a complaint in its own name. | S001 §136(2), PDF P88. | Does not create a right to NCR initiation. |\n| **C003** | Held | The substituted §136(1) commenced with Act19/2014 on 13 Mar 2015. | S003 P0/GG p3. | No complete 2026 consolidation claim. |\n| **C004** | Held | “Any person” does not make every dispute an NCA complaint or establish every later private remedy. | S002 §136; statutory-context inference. | Actual conduct and relief matter. |\n| **C005** | Held | Ordinary debt-counsellor conduct may fall within NCR jurisdiction when it allegedly contravenes the NCA or registration conditions. | S001 §§52(5)(c),55,136. | Exact current condition and facts required. |\n| **C006** | Held | Regulator media reports misleading debt-review enrolment complaints but does not prove individual liability. | S007 P0–P2. | Guidance/practice only. |\n| **C007** | Held | NCR complaint, internal provider complaint, NCT matter and other-regulator process are distinct. | S001 §§136–141; scope analysis. | No universal forwarding duty proved. |\n| **C008** | Held | Registered-actor noncompliance may engage §55. | S001 §55, P37–38. | Reasonable grounds and notice predicates required. |\n| **C009** | Held | Unregistered regulated activity may engage §54. | S001 §54, P37. | Activity and registration absence must be proved. |\n| **C010** | Held | Consumer allegation alone does not create either notice. | §§54–55 structure. | NCR determination required. |\n| **C011** | Held | P10 performed no named registry or licence lookup. | Research-method fact. | Actual registration status unresolved. |\n| **C012** | Held | Form29 requests identity, respondent details, allegation and confirmation of NCR consideration. | S004 P0. | Form content is not merits proof. |\n| **C013** | Held | Form29 warns information may be considered/shared and a sworn statement may be required. | S004 P0/P2. | Confidentiality remains qualified. |\n| **C014** | Held | Form29 permits an authorised representative and refers to regulation 50/POA. | S004 P0. | Complete current regulation 50 body not certified. |\n| **C015** | Held | Supplementary form asks for dates, prior steps, supporting documents and desired outcome. | S004 P1–P2. | Supplementary page says completion is not mandatory. |\n| **C016** | Held | Prior-provider contact was not established as universal exhaustion for ordinary DC complaints. | S002 §136; S004 P1. | Special complaint types may differ. |\n| **C017** | Held | Call-centre initiation and authorised third-party submission are contemplated by Form29. | S004 P0. | Actual authority documents still matter. |\n| **C018** | Held | Exact current regulation-50 representation package remains partially unresolved. | S004 reference; current-regulations gap. | Form is not full regulation text. |\n| **C019** | Held | Anonymous consumer complaint route was not established. | S004 identity/signature fields. | Does not prove anonymous information can never be received. |\n| **C020** | Held | NCR own-initiative complaint is separate from complainant entitlement. | S001 §136(2). | NCR discretion retained. |\n| **C021** | Held | Form29 does not promise complete secrecy and permits information exchange. | S004 P0/P2. | Proper legal handling required. |\n| **C022** | Held | §156 protects confidential information subject to administration/enforcement/justice exceptions. | S001 §156, P96–97. | Not blanket secrecy. |\n| **C023** | Held | NCT hearings are public subject to confidentiality/proper-conduct exclusions. | S001 §142, P91–92. | Specific protective ruling may be available. |\n| **C024** | Held | NCR complaints department receives complaints and sometimes mediates. | S005 P3/printed p4. | Circular practice, not statutory duty. |\n| **C025** | Held | Circular03 lists operational target times. | S005 P3–P4. | Not statutory resolution deadlines. |\n| **C026** | Held | §139 requires investigation “as quickly as practicable,” not within a fixed universal period. | S001 §139(1)(c), P90. | Matter-specific timing. |\n| **C027** | Held | NCR may initially non-refer, redirect or investigate. | S001 §139(1). | Not mandatory investigation. |\n| **C028** | Held | Initial non-referral applies to frivolous/vexatious or legally insufficient allegations. | S001 §139(1)(a). | Not necessarily a factual exoneration. |\n| **C029** | Held | Reckless-credit/over-indebtedness matter may be referred to a debt counsellor. | S001 §139(1)(b)(i). | Different from complaint against debt counsellor. |\n| **C030** | Held | Matter may be referred for ADR assistance under §134. | S001 §139(1)(b)(ii). | Resolution is not automatically an NCT order. |\n| **C031** | Held | Form29 contemplates an assessment outcome and possible request for non-referral notice. | S004 P2. | Exact procedural rights governed by Act/rules. |\n| **C032** | Held | A non-referral notice enables potential §141 route, subject to statutory exclusions. | S001 §141; S004 P2. | Leave and procedure still required. |\n| **C033** | Held | NCR’s informal mediation practice is distinct from formal investigation. | S005 P3; S001 §139. | No guaranteed settlement. |\n| **C034** | Held | Qualifying resolution/agreement may be confirmed as consent order. | S001 §138(1), P89. | Confirmation required. |\n| **C035** | Held | With complainant consent, a §138(1)(b) consent order may include damages. | S001 §138(2). | Not automatic damages. |\n| **C036** | Held | NCR may designate assistants and summon persons/documents in investigation. | S001 §139(2)–(3). | Formal investigation predicate. |\n| **C037** | Held | Person questioned must answer truthfully subject to self-incrimination protection. | S001 §139(4)–(5). | Criminal-use exceptions stated in Act. |\n| **C038** | Held | Form submission is not equivalent to inspector summons. | S004 versus §139. | Different legal acts. |\n| **C039** | Held | After investigation NCR may non-refer, refer prohibited conduct, apply to NCT or refer offence to NPA. | S001 §140(1). | NCR belief is not final merits finding. |\n| **C040** | Held | Suspected prohibited conduct may be referred to consumer court or NCT. | S001 §140(2)–(3). | Provincial-law/venue predicates. |\n| **C041** | Held | NPA referral applies where complaint concerns an NCA offence. | S001 §140(1)(d). | NCR complaint does not prove offence. |\n| **C042** | Held | Provincial consumer-court route depends on residence/business nexus and court availability. | S001 §140(2). | Provincial procedures unexamined. |\n| **C043** | Held | Another province may be used on convenience/justice basis where applicable courts are absent. | S001 §140(3). | No province-specific result. |\n| **C044** | Held | Consumer-court order on referral can have Tribunal-equivalent force. | S001 §140(6)–(7). | Actual referral/order required. |\n| **C045** | Held | After non-referral, complainant may approach provincial consumer court or NCT with leave. | S001 §141(1). | §61/offence exclusions. |\n| **C046** | Held | Tribunal direct referral requires leave. | S001 §141(1)(b). | Leave test/rules unresolved. |\n| **C047** | Held | Tribunal referral must use prescribed form. | S001 §141(3). | Current form/package not verified. |\n| **C048** | Held | Current NCT compiled rules PDF was identified but timed out. | S009. | No body-read claim. |\n| **C049** | Held | 2014 rules package is expressly draft and cannot prove current filing requirements. | S012. | Draft only. |\n| **C050** | Held | Exact current §141 period/form/condonation rules remain unresolved. | S009–S012. | No absence claim. |\n| **C051** | Held | §137’s 20-business-day periods must not be transplanted automatically to §141. | S001 §137(2)–(3). | Different actors/triggers. |\n| **C052** | Held | Direct-referral complainant may face or receive costs depending on merits finding. | S001 §147. | Discretionary, not automatic. |\n| **C053** | Held | Single-member Tribunal decision may be appealed to full panel; full-panel route may reach High Court. | S001 §148. | Rules and exceptions apply. |\n| **C054** | Held | §56 objection belongs to recipient of §54/§55 notice, not complainant challenging non-referral. | S001 §56. | Distinct route. |\n| **C055** | Held | §166 provides three-year Tribunal/consumer-court limit from act/omission. | S001 §166(1)(a). | Filing/receipt mechanics unresolved. |\n| **C056** | Held | Continuing-practice period runs from cessation; duplicate substantially same proceeding restricted. | S001 §166(1)(b),(2). | Actual cessation facts required. |\n| **C057** | Held | No general §166 condonation rule was established. | S001 §166; current-rules gap. | Does not rule out every other doctrine. |\n| **C058** | Held | NCR may issue §54 cessation notice for unregistered regulated activity. | S001 §54. | Proof required. |\n| **C059** | Held | §54 notice must identify actor, activity, cessation date, basis and possible penalty. | S001 §54(3). | Actual notice absent. |\n| **C060** | Held | Failure to comply with §54 notice is an offence. | S001 §54(5). | Conviction not automatic. |\n| **C061** | Held | §55 compliance notice rests on reasonable grounds of NCA/condition noncompliance. | S001 §55(1). | Regulatory judgment required. |\n| **C062** | Held | Notice specifies provision, conduct, corrective steps, period and possible penalty. | S001 §55(3). | Actual terms matter. |\n| **C063** | Held | Notice remains until set aside or compliance certificate issued. | S001 §55(4)–(5). | Subject to review route. |\n| **C064** | Held | Unobjected noncompliance may be referred to NPA or NCT. | S001 §55(6). | Depends on offense classification. |\n| **C065** | Held | Notice recipient has 15 business days after receipt to seek NCT review. | S001 §56(1)(a). | Longer period possible on good cause. |\n| **C066** | Held | NCT may confirm, modify or cancel notice. | S001 §56(2). | Not consumer non-referral appeal. |\n| **C067** | Held | NCT may cancel registration on NCR request for repeated conditions/Act failures. | S001 §57(1). | Repetition and order required. |\n| **C068** | Held | Complaint or media report alone does not cancel registration. | §57 structure. | No named status check. |\n| **C069** | Held | §150 also lists suspension/cancellation subject to §57. | S001 §150(g). | Actual proceeding/order required. |\n| **C070** | Held | Complainant may separately apply for interim relief. | S001 §149. | Not automatic from complaint. |\n| **C071** | Held | Interim relief has truth, necessity, hearing and convenience predicates and six-month limits. | S001 §149(1)–(3). | Actual order required. |\n| **C072** | Held | Complaint alone does not stay collection/litigation/reporting. | §149 separate-order inference. | Another law/order may provide relief. |\n| **C073** | Held | NCT can declare/interdict prohibited conduct and confirm consent orders. | S001 §150(a),(b),(d). | Prohibited-conduct finding required. |\n| **C074** | Held | NCT may confirm cessation order against unregistered person. | S001 §150(f). | Actor/status proof required. |\n| **C075** | Held | NCT may make other appropriate NCA/CPA rights orders. | S001 §150(i). | Jurisdiction/right must exist. |\n| **C076** | Held | Excess-charge repayment under §150(h) requires applicable excess and order. | S001 §150(h). | Not universal refund. |\n| **C077** | Held | Administrative-fine ceiling is greater of 10% preceding-year turnover or R1m. | S001 §151(2). | Turnover method differs by actor. |\n| **C078** | Held | Fine factors include gravity, loss, behaviour, market, profit, cooperation and history. | S001 §151(3). | Tribunal discretion. |\n| **C079** | Held | Fine is an NCT public sanction. | S001 §§150(c),151. | Not complainant compensation. |\n| **C080** | Held | Non-credit-provider turnover is determined in prescribed manner not established here. | S001 §151(4)(b). | Hypothetical turnover only. |\n| **C081** | Held | Fine is payable to National Revenue Fund. | S001 §151(5). | Separate from damages/refund. |\n| **C082** | Held | Consent damages, excess repayment and civil damages are separate routes. | §§138,150,164. | No automatic combination. |\n| **C083** | Held | Civil damages generally require Tribunal certificate. | S001 §164(3). | Separate civil action. |\n| **C084** | Held | Consent-order damages bar duplicate civil damages action. | S001 §164(3)(a). | Same subject loss. |\n| **C085** | Held | Appeal/review suspends civil-damages action right. | S001 §164(5)–(6). | Final process required. |\n| **C086** | Held | NCA-prohibited credit agreement is not automatically void absent declaration. | S001 §164(1) displayed operative/pending text. | 2019 amendment held. |\n| **C087** | Held | Provider breach does not automatically cancel debt/security/judgment/status. | C072,C076,C082–C086 inference. | Separate laws/orders. |\n| **C088** | Held | Tribunal orders are enforceable as High Court orders. | S001 §152. | Actual order required. |\n| **C089** | Held | Recommendation/media/annual report is not Tribunal order. | Source-authority distinction. | No case-specific conclusion. |\n| **C090** | Held | Fictional §56 receipt 2 Feb 2026 yields 15th business day 23 Feb 2026. | §§2(5),56; S013. | Assumptions stated; recipient clock only. |\n| **C091** | Held | Fictional §166 anniversaries are 15 Mar 2027 and 30 Jun 2028. | S001 §166. | Exact filing moment unresolved. |\n| **C092** | Held | P07 D06 is now partially researched nationally. | C001–C091. | Full procedure/current rules/private remedies held. |\n| **C093** | Held | P06, P08 and P09 are not adopted as reviewed premises. | Supplied provenance. | Separate review required. |\n| **C094** | Held | No complaint, form, contact, request, provider lookup or case lookup occurred. | Research-method fact. | Public generic research only. |\n| **C095** | Held | A097/A098, provinces, localities and country acceptance remain held. | Scope limitation. | Separate work required. |\n\n# Complete granular coverage register\n\n## G1 — Complaint applicability, actor, content and intake: 22 rows\n\n| Row | Subquestion | Status | Finding/claims | Missing body/fact and exact next action |\n| --- | --- | --- | --- | --- |\n| **G1-01** | Who may submit | answered | Any person. C001 | Apply jurisdiction to actual conduct |\n| **G1-02** | NCR own initiative | answered | Separate §136(2) power. C002,C020 | NCR discretion |\n| **G1-03** | 2014 amendment commencement | answered | 13 Mar 2015. C003 | No broader consolidation claim |\n| **G1-04** | NCA subject-matter nexus | partial | Alleged NCA contravention required. C004–C007 | Identify operative provision |\n| **G1-05** | Registered debt counsellor conduct | partial | §55/conditions route may apply. C005,C008 | Actual condition/status/conduct |\n| **G1-06** | Alleged unregistered actor | partial | §54 route may apply. C009–C011 | Registration and activity proof |\n| **G1-07** | Internal provider complaint distinction | answered as boundary | Not same as NCR complaint. C007,C016 | Actual provider process separate |\n| **G1-08** | Other-regulator distinction | partial | LPC/FSCA/NCC/etc may be relevant. C007 | Actor/service classification |\n| **G1-09** | Form29 core identity fields | answered | C012 | Actual form not completed |\n| **G1-10** | Allegation detail and dates | answered | C012,C015 | Actual evidence |\n| **G1-11** | Supporting documents | answered as information request | C015 | No universal fixed list |\n| **G1-12** | Desired outcome | answered as form field | C015 | Requested result not guaranteed |\n| **G1-13** | Prior provider contact | partial | Requested as evidence, not universal exhaustion. C016 | Special process exceptions |\n| **G1-14** | Third-party representation | partial | POA route contemplated. C014,C017–C018 | Current regulation 50 package |\n| **G1-15** | Call-centre initiation | answered as form practice | C017 | No actual contact |\n| **G1-16** | Anonymous complaint | unresolved | No complete anonymous route established. C019–C020 | Current formal policy/body |\n| **G1-17** | Confidentiality | partial | Protected but qualified. C021–C023 | Actual protective ruling |\n| **G1-18** | Information sharing | answered conditionally | Form warns of inter-organisational exchange. C013,C021 | Lawful purpose/scope |\n| **G1-19** | Receipt/acknowledgement | partial | Administrative targets published. C024–C025 | Actual receipt and current service |\n| **G1-20** | Complaint resolution deadline | unresolved | No fixed universal statutory deadline. C026 | Matter-specific process |\n| **G1-21** | Public NCR assistance/forms | answered as generic information | S004/S008. | No filing/action taken |\n| **G1-22** | Whole current §136/regulation framework | partial | 2014 amendment verified; current regulation package incomplete. C003,C018 | Full current regulations audit |\n\n## G2 — Assessment, investigation, non-referral and referral: 23 rows\n\n| Row | Subquestion | Status | Finding/claims | Missing body/fact and exact next action |\n| --- | --- | --- | --- | --- |\n| **G2-01** | Mandatory investigation | answered negatively | NCR has choices under §139. C027 | Actual assessment |\n| **G2-02** | Frivolous/vexatious non-referral | answered | C028 | Apply actual allegations |\n| **G2-03** | Legally insufficient complaint | answered | C028 | Identify NCA remedy |\n| **G2-04** | Reckless-credit referral | answered as route | C029 | Not complaint against DC by itself |\n| **G2-05** | ADR/ombud referral | answered as route | C030,C033 | Actual jurisdiction |\n| **G2-06** | Inspector-directed investigation | answered | C027,C036 | NCR decision |\n| **G2-07** | Investigation timing | partial | “As quickly as practicable.” C026 | No fixed deadline |\n| **G2-08** | Inspector assistance | answered | C036 | Actual appointment |\n| **G2-09** | Summons/documents | answered | C036 | Formal summons needed |\n| **G2-10** | Self-incrimination protection | answered | C037 | Exact proceeding facts |\n| **G2-11** | Informal mediation | partial | NCR sometimes mediates. C024,C033 | No guaranteed settlement |\n| **G2-12** | Consent order | answered conditionally | C034–C035 | Agreement/confirmation/consent |\n| **G2-13** | Post-investigation non-referral | answered | C039 | Formal notice |\n| **G2-14** | Prohibited-conduct referral | answered | C039–C040 | NCR belief and adjudication |\n| **G2-15** | NPA referral | answered as possibility | C041 | Offence facts |\n| **G2-16** | Provincial consumer-court referral | partial | C042–C044 | Province-specific law |\n| **G2-17** | NCT public referral | answered as route | C039–C040 | Actual referral/proof |\n| **G2-18** | Direct referral after non-referral | answered at Act level | C045–C047 | Current rules/form/deadline |\n| **G2-19** | NCT leave | answered as substantive requirement | C046 | Current leave test |\n| **G2-20** | Current filing deadline | unresolved | C048–C051 | Open current NCT rules |\n| **G2-21** | Condonation | unresolved for §141 | C048–C051 | Current rule and good-cause test |\n| **G2-22** | Direct-referral costs | answered conditionally | C052 | Merits/order |\n| **G2-23** | Appeals/reviews | partial | C053–C054 | Current Tribunal/High Court rules |\n\n## G3 — Public enforcement, sanctions and private consequence: 25 rows\n\n| Row | Subquestion | Status | Finding/claims | Missing body/fact and exact next action |\n| --- | --- | --- | --- | --- |\n| **G3-01** | §54 actor/activity trigger | answered | C058 | Actual actor/status |\n| **G3-02** | §54 notice content | answered | C059 | Actual notice |\n| **G3-03** | §54 noncompliance offense | answered | C060 | Prosecution/conviction not automatic |\n| **G3-04** | §55 reasonable-ground trigger | answered | C061 | Actual provision/condition |\n| **G3-05** | §55 notice content | answered | C062 | Actual steps/deadline |\n| **G3-06** | Compliance certificate | answered | C063 | Actual compliance |\n| **G3-07** | Failure to comply | answered conditionally | C064 | Offence classification |\n| **G3-08** | §56 objection actor | answered | Notice recipient. C054,C065 | Not complainant |\n| **G3-09** | §56 15-business-day period | answered | C065,C090 | Receipt/service facts |\n| **G3-10** | Good-cause extension | answered at text level | C065 | Tribunal determination |\n| **G3-11** | Notice review outcomes | answered | C066 | Actual order |\n| **G3-12** | Registration cancellation | answered conditionally | Repeated conduct + NCR request + NCT order. C067–C069 | Actual findings |\n| **G3-13** | Complaint as automatic cancellation | answered negatively | C068 | None |\n| **G3-14** | Interim relief | answered conditionally | C070–C071 | Separate application/order |\n| **G3-15** | Complaint as stay | answered negatively | C072 | Other court/order law |\n| **G3-16** | Prohibited-conduct declaration/interdict | answered conditionally | C073 | NCT finding |\n| **G3-17** | Unregistered-person order | answered conditionally | C074 | Status/activity proof |\n| **G3-18** | Excess-charge repayment | partial | C076 | Applicable fee standard/order |\n| **G3-19** | Administrative fine ceiling | answered | C077 | Turnover methodology |\n| **G3-20** | Fine factors | answered | C078 | Tribunal discretion |\n| **G3-21** | Fine versus compensation | answered | C079–C082 | Separate consumer remedy |\n| **G3-22** | Consent damages | answered conditionally | C035,C082 | Confirmation and consent |\n| **G3-23** | Civil damages certificate | answered at gateway level | C083–C085 | Full civil claim deferred |\n| **G3-24** | Automatic contract/debt voidness | answered negatively | C086–C087 | Separate declaration/remedy |\n| **G3-25** | Order enforcement | answered conditionally | C088–C089 | Actual final order |\n\n## G4 — Fictional workflows and calculations: 11 rows\n\n| Row | Workflow | Status | Finding/claims | Missing evidence |\n| --- | --- | --- | --- | --- |\n| **G4-01** | Unperformed aftercare | partial classification | C012–C016,C061–C076 | Fee authority, work, contract |\n| **G4-02** | Fee quote/current authority unresolved | partial classification | C005–C007,C073–C076 | Current condition/source |\n| **G4-03** | Failed internal contact | answered as evidentiary branch | C015–C016 | Actual communications |\n| **G4-04** | NCR non-referral | partial | C045–C052 | Current NCT rules |\n| **G4-05** | NCR public referral | answered as conditional route | C036–C044 | Investigation/finding |\n| **G4-06** | Consent resolution | answered conditionally | C034–C035,C082 | Signed agreement/order |\n| **G4-07** | Fine/cancellation versus refund | answered as distinction | C067–C085 | Actual order/turnover |\n| **G4-08** | Complaint during collection litigation | answered as no automatic stay | C070–C072 | Court/interim order |\n| **G4-09** | Wrong-regulator branch | partial | C007 | Actual service/actor |\n| **G4-10** | Unregistered-actor allegation | partial | C058–C060,C074 | Registration/activity proof |\n| **G4-11** | Two statutory clock calculations | answered conditionally | C090–C091 | Actual receipt/filing facts |\n\n## G5 — Reviewed gap, currentness and territorial scope: 9 rows\n\n| Row | Matter | Status | Finding/claims | Exact next action |\n| --- | --- | --- | --- | --- |\n| **G5-01** | P07 D06 complaint gateway | partial substantive completion | C092 | Current rules/private remedies |\n| **G5-02** | P07 annual-report practice | retained with limit | Not case proof | No extrapolation |\n| **G5-03** | P09 repairs | awaiting review | C093 | Separate coordinator review |\n| **G5-04** | P06 PDA | excluded as premise | C093 | Separate review |\n| **G5-05** | P08 CPA/ECTA | excluded as premise | C093 | Separate review |\n| **G5-06** | Current NCA consolidation | partial | S001 limitations | Authoritative complete update |\n| **G5-07** | Current NCT rules | unresolved | C048–C050 | Obtain readable official body |\n| **G5-08** | No actual filing/contact/search | answered | C094 | None |\n| **G5-09** | A097/A098/country acceptance | held | C095 | Separate complete review |\n\n# Explicitly deferred families\n\n| Row | Deferred family | Status | Exact retained question |\n| --- | --- | --- | --- |\n| **D01** | Current NCR debt-counsellor fee amounts | excluded_with_reason | What presently operative rule/condition governs each amount? |\n| **D02** | Fee-guideline incorporation/current conditions | excluded_with_reason | What current registration condition incorporates any fee cell? |\n| **D03** | Reckless-lending-fee withdrawal | excluded_with_reason | What final operative withdrawal/adoption instrument applies? |\n| **D04** | Application-fee inflation | excluded_with_reason | What current adjustment method and amount applies? |\n| **D05** | Current refund/withdrawal fee rules | excluded_with_reason | What final current fee/refund instrument applies? |\n| **D06** | PDA client money/trust/distribution | excluded_with_reason | P06 remains unreviewed. |\n| **D07** | Full CPA/ECTA service contract | excluded_with_reason | P08 remains unreviewed. |\n| **D08** | Private contract interpretation | excluded_with_reason | No actual contract obtained. |\n| **D09** | Private cause, damages quantum and civil procedure | excluded_with_reason | §164 gateway only; full claim held. |\n| **D10** | Professional permission/legal practice | excluded_with_reason | What actual work is reserved or regulated? |\n| **D11** | FSCA/financial-product permission | excluded_with_reason | What product/advice/intermediation is involved? |\n| **D12** | Attorney trust and legal costs | excluded_with_reason | Separate professional regime. |\n| **D13** | Provider business/perimeter | excluded_with_reason | Preserve P01 actor-classification holds. |\n| **D14** | NCA debt-product classification | excluded_with_reason | Which underlying agreements are covered? |\n| **D15** | Creditor collection/validation/disputes | excluded_with_reason | Separate creditor/collector rules. |\n| **D16** | Security/mortgage/repossession | excluded_with_reason | Complaint does not alter security automatically. |\n| **D17** | Credit reporting/clearance | excluded_with_reason | Complaint does not change reporting automatically. |\n| **D18** | Prescription/other limitation rules | excluded_with_reason | Only NCA §166 gateway addressed. |\n| **D19** | Court litigation/service/default/judgments | excluded_with_reason | No stay or court procedure completed. |\n| **D20** | Insolvency/sequestration/administration/rescue | excluded_with_reason | Separate statutory remedies. |\n| **D21** | 2019 debt intervention | excluded_with_reason | P02/P03 commencement holds unchanged. |\n| **D22** | Tax/VAT | excluded_with_reason | No fiscal result. |\n| **D23** | Public, fines, maintenance, rent, medical and utility debts | excluded_with_reason | Sector-specific law. |\n| **D24** | Foreign law/jurisdiction/recognition | excluded_with_reason | A098 held. |\n| **D25** | Whole-country and A097/A098 acceptance | excluded_with_reason | No acceptance from this gateway. |\n\n# Provincial and local register\n\nNo provincial consumer-court statute, form, venue rule, fee, appeal provision or local procedure was substantively read in P10.\n\n| Row | Province | Status | Exact remaining question |\n| --- | --- | --- | --- |\n| **T01** | Eastern Cape | unresolved | Does a functioning consumer court exist for this matter, and what provincial legislation, forms, time periods and venue rules apply? |\n| **T02** | Free State | unresolved | Same province-specific consumer-court and referral analysis |\n| **T03** | Gauteng | unresolved | NCR/NCT national presence does not establish Gauteng provincial procedure |\n| **T04** | KwaZulu-Natal | unresolved | Same province-specific body and procedure |\n| **T05** | Limpopo | unresolved | Same province-specific body and procedure |\n| **T06** | Mpumalanga | unresolved | Same province-specific body and procedure |\n| **T07** | Northern Cape | unresolved | Same province-specific body and procedure |\n| **T08** | North West | unresolved | Same province-specific body and procedure |\n| **T09** | Western Cape | unresolved | Same province-specific body and procedure |\n\nMunicipal, local court, customary, sector-specific and actual venue questions remain unexamined.\n\n# Evidence-backed article, checklist and process-map opportunities\n\n| Candidate | Supported function | Required warning |\n| --- | --- | --- |\n| **NCR complaint evidence checklist** | Organise actor, registration claim, dates, communications, invoice, service promise, work records, requested outcome and supporting documents | Not an official legal-completeness certificate |\n| **Complaint-route classifier** | Distinguish NCR complaint, internal provider issue, NCT direct referral, consumer court, LPC, FSCA, NCC and court | Cannot decide jurisdiction without actual facts |\n| **Non-referral process map** | Explain NCR non-referral, provincial consumer-court route and NCT leave requirement | Exact current NCT deadline/form unresolved |\n| **Regulatory-versus-private-remedy explainer** | Separate compliance notice, fine, registration cancellation, excess-charge order, consent damages and civil damages | Complaint alone gives none automatically |\n| **Complaint-status glossary** | Define acknowledgement, assessment, investigation, non-referral, referral, consent order, NCT finding and final order | Administrative targets are not statutory completion deadlines |\n| **Three-year limitation worksheet** | Separate one-time act from continuing practice and record source dates | Must not produce a legal filing deadline without current rules and receipt facts |\n| **Notice-objection calculator** | Calculate §56’s 15 business days for notice recipient | Not the complainant’s §141 deadline |\n| **Collection-stay warning card** | Explain that complaint alone does not stop litigation or collection | Any stay requires separate authority/order |\n| **Public-enforcement outcome table** | Show NCR, NCT, consumer-court and NPA roles | No promised sanction or refund |\n| **Blank consent-resolution checklist** | Identify agreement, complainant consent, confirmation and compliance proof | Not a substitute for an actual order |\n\n# Search and read audit\n\n## Official repositories actually used\n\n- South African Government/Government Gazette for the 2014 amendment and commencement proclamation.\n- dtic for the dated NCA consolidation.\n- NCR for Form 29, complaint/public forms, contact circulars and debt-counselling media material.\n- NCT for the current compiled-rules candidate and institutional rules page.\n- Government Gazette for historical Tribunal rules and a draft 2014 rules package.\n- gov.za public-holiday information for the fictional business-day example.\n\n## Representative bounded searches\n\n- site:ncr.org.za \"Form 29\" complaint National Credit Regulator PDF\n- site:thenct.org.za rules conduct matters National Consumer Tribunal amended PDF 2025\n- site:gov.za National Credit Regulations regulation 50 complaint Form 29 PDF\n- site:gov.za National Credit Act section 136 141 150 151 166 PDF\n- site:gov.za \"Notice of non-referral\" \"Form 31\" National Credit Regulations\n- site:ncr.org.za debt counsellor complaint NCR investigation enforcement\n\n## Material access and currentness limits\n\n1. **NCA consolidation:** The dtic PDF is useful and contains amendment annotations, but it is not certified as a complete October 2026 consolidation and includes pending 2019 text. The final 2014 §136 amendment and its commencement were therefore verified separately.\n2. **NCT current rules:** The official 199-page current compiled rules PDF was identified but timed out. It was not retried through an identical request or bypassed. Exact current §141 filing rules remain unresolved.\n3. **Regulation 50:** Form 29 refers to it, but the complete final current regulation was not independently established.\n4. **Provincial consumer courts:** No province-specific legislation or forms were read.\n5. **No named research:** No provider, person, registration, licence, complaint, NCT case, property, borrower or private record was searched.\n6. **No action:** No complaint, contact, request, form, filing, application, escalation, purchase, account activity or publication occurred.\n7. **No case precedent:** No private case or named enforcement matter was used. The report rests on published general legislation, forms and regulator materials.\n8. **No absence claims:** Failure to obtain a current rules body or registration condition is not treated as proof that no such rule exists.\n\n# Researcher self-check and displayed counts\n\n| Deliverable | Actual displayed count |\n| --- | --- |\n| P10 source-register rows | **14** |\n| P10 atomic claims | **95** |\n| G1 core coverage rows | **22** |\n| G2 core coverage rows | **23** |\n| G3 core coverage rows | **25** |\n| G4 workflow/clock coverage rows | **11** |\n| G5 reconciliation/currentness rows | **9** |\n| **Total core coverage rows** | **90** |\n| Explicit deferred-family rows | **25** |\n| Provincial rows | **9** |\n| **Total coverage rows** | **124** |\n| Fictional substantive workflows | **10** |\n| Separate clock examples | **2** |\n| Administrative-fine ceiling examples | **2** |\n| Process/consequence crosswalk rows | **17** |\n| Reviewed-gap disposition rows | **6** |\n\n## Consistency self-check\n\n- No P06 PDA conclusion was adopted.\n- No P08 CPA/ECTA conclusion was adopted.\n- No P09 repair was treated as reviewed.\n- No 2018 fee amount or fee-currentness issue was rerun.\n- No annual-report practice statement was treated as proof of a specific contravention.\n- “May investigate” was not rewritten as a duty to investigate every complaint.\n- Operational NCR turnaround targets were not called statutory deadlines.\n- Form 29’s request for prior steps was not turned into universal exhaustion.\n- No anonymous route was invented or categorically denied.\n- NCR non-referral, §56 notice objection and §141 direct referral were kept separate.\n- The current §141 procedural deadline was not invented from a draft or an unrelated §137 period.\n- A complaint was not described as an automatic collection stay.\n- Registration cancellation was tied to NCR request, repeated conduct and NCT order.\n- Administrative fines were kept separate from consumer compensation.\n- Excess-charge repayment, consent damages and civil damages were kept as distinct routes.\n- No provider misconduct was said to erase debt, release security or void a judgment automatically.\n- The two clock examples state all assumptions and are not presented as real filing deadlines.\n- No national source was treated as all-provincial or local verification.\n- No independent review or country acceptance is claimed.\n\n## Exact next primary-source question\n\nWhat is the complete, currently operative NCT rules text governing a complainant’s direct referral under NCA §141 after an NCR notice of non-referral—including the filing period, prescribed form, leave application, service documents, condonation power, costs and appeal route—and what province-specific consumer-court legislation applies where the complainant instead chooses the §141(1)(a) route?\n\n## Final P10 disposition\n\n- **National generic NCR complaint gateway:** answered at statute/form level.\n- **NCR intake, assessment and investigation choices:** answered with power-versus-duty limits.\n- **Non-referral and direct-referral right:** answered at NCA level.\n- **Exact current NCT filing rules:** unresolved.\n- **Compliance notices, registration cancellation and public orders:** answered conditionally.\n- **Fine ceiling and factors:** answered; actual turnover method and sanction remain case-specific.\n- **Automatic refund, damages, stay, fee invalidity or debt cancellation:** expressly not established.\n- **Provincial/local procedure:** unresolved in all nine provinces.\n- **Private remedies, contracts, current fees, PDA funds, CPA, 2019 intervention and broader country domains:** held.\n- **A097/A098 and whole-country acceptance:** held.\n\nEND C_ZA PASS-10 \n\n","tables":[{"headers":["Matter alleged","Initial route distinction"],"index":0,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[]],"rows":[["Matter alleged","Initial route distinction"],["NCA debt-counsellor conduct or registration condition","NCR/NCA gateway may apply"],["A private non-NCA consulting contract","Consumer-contract or civil route may be material; P08 remains unreviewed"],["Reserved legal practice or attorney trust money","Legal Practice Council/court route may be material"],["Creditor-side debt collection","Council for Debt Collectors, court or creditor-law route may be material"],["Financial-product advice or intermediary service","FSCA/FAIS route may be material"],["Credit-bureau dispute","Special NCA credit-information process may apply"],["Criminal conduct beyond the NCA","Police/NPA route may be material"],["Provincial consumer-law dispute","Provincial consumer-affairs or consumer-court route may be material"],["CPA supplier conduct","NCC/consumer-court/NCT or other CPA route may be material"]]},{"headers":["Path","Legal mechanism","Core predicate"],"index":1,"links":[],"row_links":[[],[],[],[]],"rows":[["Path","Legal mechanism","Core predicate"],["Damages within a consent order","§138(2)","NCR-investigation agreement, confirmation and complainant consent"],["Repayment of excess amount charged","§150(h)","NCT prohibited/required-conduct proceeding and specific order"],["Civil damages","§164","Tribunal finding/certificate and separate civil action, subject to statutory limits"]]},{"headers":["Business-day number","Date"],"index":2,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Business-day number","Date"],["1","Tuesday, 3 February 2026"],["2","Wednesday, 4 February"],["3","Thursday, 5 February"],["4","Friday, 6 February"],["5","Monday, 9 February"],["6","Tuesday, 10 February"],["7","Wednesday, 11 February"],["8","Thursday, 12 February"],["9","Friday, 13 February"],["10","Monday, 16 February"],["11","Tuesday, 17 February"],["12","Wednesday, 18 February"],["13","Thursday, 19 February"],["14","Friday, 20 February"],["15","Monday, 23 February 2026"]]},{"headers":["Reviewed row","Original reviewed wording","P10 finding","Disposition"],"index":3,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Reviewed row","Original reviewed wording","P10 finding","Disposition"],["P07 D06 — Regulatory complaints and sanctions","excluded_with_reason — No procedure invoked or case researched","National generic NCA complaint intake, NCR assessment/investigation, non-referral, direct-referral gateway, compliance notices, NCT public orders, fines and private-remedy boundaries are now researched. No complaint or case was initiated.","Partial substantive completion. National generic gateway answered; current NCT procedural rules, all provincial routes, actual facts, current registration conditions, private remedies and broader legal domains remain open. C001–C091."],["P07 annual-report practice","Dated generic practice evidence only","Not used to prove the elements or result of an individual complaint.","Preserved."],["P09 repairs","Saved, awaiting review","No P09 conclusion adopted as reviewed premise.","Held."],["P06 PDA report","Saved, unreviewed","No payment/client-money conclusion adopted.","Held."],["P08 CPA/ECTA report","Saved, unreviewed","No consumer-contract or cooling-off conclusion adopted.","Held."],["Whole country/A097/A098","Unaccepted","P10 is a national generic regulator/NCT gateway only.","Held."]]},{"headers":["Stage","Actor","Power or required act","Possible result","What it does not prove"],"index":4,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Stage","Actor","Power or required act","Possible result","What it does not prove"],["Complaint initiation","Any person / NCR itself","§136 complaint or own initiative","NCR assessment begins","Merits, registration status or remedy"],["Administrative intake","NCR Complaints Department","Receive, assess, sometimes mediate","Acknowledgement/reference/possible resolution","Statutory resolution deadline"],["Initial assessment","NCR","§139 choices","Non-referral, redirection or investigation","Mandatory investigation"],["Investigation","NCR inspector","Summons, documents, questioning","Evidentiary record","Contravention finding"],["Post-investigation decision","NCR","§140 choices","Non-referral, NCT/consumer-court referral, application or NPA referral","Final public order"],["Non-referral response","Complainant","§141 direct-referral possibility","Provincial court or NCT leave application","Automatic leave or merits success"],["Informal settlement","Parties/NCR/ADR","Voluntary agreement","Resolution","Binding Tribunal order"],["Consent order","Tribunal/court","Confirm qualifying agreement","Binding consent order; possible agreed damages","Automatic award without consent/confirmation"],["Compliance notice","NCR","§55 notice","Corrective obligations","Fine/refund by itself"],["Unregistered-person notice","NCR","§54 notice","Cessation requirement","Proven offence or damages by itself"],["Notice objection","Recipient/NCT","§56 review","Confirm, modify or cancel notice","Complainant’s non-referral appeal"],["Public enforcement","NCR/NCT/consumer court","Referral, hearing, proof","Prohibited-conduct finding and orders","Private damages automatically"],["Interim relief","Complainant/NCT","Separate §149 application","Temporary order if all predicates met","Automatic stay from complaint"],["Registration cancellation","NCR/NCT","NCR request and repeated conduct","NCT cancellation","Automatic cancellation on allegation"],["Administrative fine","NCT","§151 finding and factors","Public fine","Consumer refund"],["Excess-charge repayment","NCT","§150(h) order","Repayment plus agreement-rate interest","Universal fee refund"],["Civil damages","Consumer/civil court","§164 certificate and civil proceedings","Possible private damages","Automatic award from NCR complaint"]]},{"headers":["Source ID","Issuer, title and complete literal HTTPS URL","Exact provisions/pages actually read","Status, version and limits"],"index":5,"links":[{"href":"https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf","text":"DTIC\n+8"},{"href":"https://www.gov.za/sites/default/files/gcis_document/201409/37665gon389.pdf","text":"South African Government"},{"href":"https://www.gov.za/sites/default/files/gcis_document/201503/38557reg10382pro10.pdf","text":"South African Government"},{"href":"https://www.ncr.org.za/documents/form%2029%20new.pdf","text":"NCR\n+2"},{"href":"https://www.ncr.org.za/documents/Circulars/Circular%203%20of%202025%20-%20NCR%20Contact%20Details%20final.pdf","text":"NCR\n+1"},{"href":"https://www.ncr.org.za/documents/Media%20release%20-%20Debt%20counselling%20Campaign%28August%29-Final.pdf","text":"NCR"},{"href":"https://www.ncr.org.za/documents/BEWARE%20OF%20MISLEADING%20AND%20PROHIBITED%20PRACTICES%20BY%20DEBT%20COUNSELLORS_Media%20release%20August%202024_1.pdf","text":"NCR"},{"href":"https://ncr.org.za/act/list-of-forms/category/31-complaint-forms","text":"NCR"},{"href":"https://www.thenct.org.za/wp-content/uploads/2025/11/RULES-FOR-THE-CONDUCT-OF-MATTTERS-BEFORE-THE-NATIONAL-CONSUMER-TRIBUNAL-AS-AMENDED-ENGLISH-1.pdf","text":"NCT"},{"href":"https://www.thenct.org.za/","text":"NCT"},{"href":"https://www.gov.za/sites/default/files/gcis_document/201409/37882rg10242gon597.pdf","text":"South African Government"},{"href":"https://www.gov.za/about-sa/public-holidays","text":"South African Government"},{"href":"https://www.thedtic.gov.za/wp-content/uploads/NCR-Annual-Report-2024_2025.pdf","text":"DTIC"}],"row_links":[[],[{"href":"https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf","text":"DTIC\n+8"}],[{"href":"https://www.gov.za/sites/default/files/gcis_document/201409/37665gon389.pdf","text":"South African Government"}],[{"href":"https://www.gov.za/sites/default/files/gcis_document/201503/38557reg10382pro10.pdf","text":"South African Government"}],[{"href":"https://www.ncr.org.za/documents/form%2029%20new.pdf","text":"NCR\n+2"}],[{"href":"https://www.ncr.org.za/documents/Circulars/Circular%203%20of%202025%20-%20NCR%20Contact%20Details%20final.pdf","text":"NCR\n+1"}],[{"href":"https://www.ncr.org.za/documents/Media%20release%20-%20Debt%20counselling%20Campaign%28August%29-Final.pdf","text":"NCR"}],[{"href":"https://www.ncr.org.za/documents/BEWARE%20OF%20MISLEADING%20AND%20PROHIBITED%20PRACTICES%20BY%20DEBT%20COUNSELLORS_Media%20release%20August%202024_1.pdf","text":"NCR"}],[{"href":"https://ncr.org.za/act/list-of-forms/category/31-complaint-forms","text":"NCR"}],[{"href":"https://www.thenct.org.za/wp-content/uploads/2025/11/RULES-FOR-THE-CONDUCT-OF-MATTTERS-BEFORE-THE-NATIONAL-CONSUMER-TRIBUNAL-AS-AMENDED-ENGLISH-1.pdf","text":"NCT"}],[{"href":"https://www.thenct.org.za/","text":"NCT"}],[],[{"href":"https://www.gov.za/sites/default/files/gcis_document/201409/37882rg10242gon597.pdf","text":"South African Government"}],[{"href":"https://www.gov.za/about-sa/public-holidays","text":"South African Government"}],[{"href":"https://www.thedtic.gov.za/wp-content/uploads/NCR-Annual-Report-2024_2025.pdf","text":"DTIC"}]],"rows":[["Source ID","Issuer, title and complete literal HTTPS URL","Exact provisions/pages actually read","Status, version and limits"],["C_ZA-P10-S001","dtic, National Credit Act 34 of 2005 dated consolidation. https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf","§2(5) PDF P13; §§52–57 P36–38; §§137–142 P89–92; §§147–152 P92–95; §156 P96–97; §§164–168 P100–102. Official Gazette printed-page mapping was not independently established for this compilation.","Fresh material provisions read and page images inspected. Dated consolidation contains pending 2019 amendments and is not certified as a complete October 2026 consolidation. Current-law conclusions are limited to the operative text separately supported and the displayed amendment notes. \nDTIC\n+8"],["S002","Parliament/Presidency, National Credit Amendment Act 19 of 2014, GG37665, GoN389, 19 May 2014. https://www.gov.za/sites/default/files/gcis_document/201409/37665gon389.pdf","Amendment of §136, clause 36, zero-based PDF P14; internal printed Act page 28.","Fresh enacted primary body read. Supports “any person” complaint wording. Commencement established separately by S003. \nSouth African Government"],["S003","President, Commencement of the National Credit Amendment Act 19 of 2014, Proclamation R.10 of 2015, GG38557, 13 March 2015. https://www.gov.za/sites/default/files/gcis_document/201503/38557reg10382pro10.pdf","Entire proclamation, PDF P0 / printed GG p3.","Fresh primary body read. Brings Act 19/2014 into operation on publication. It is not the 2019 debt-intervention commencement instrument. \nSouth African Government"],["S004","National Credit Regulator, NCR Form 29 — Complaint Initiation Form. https://www.ncr.org.za/documents/form%2029%20new.pdf","Main complaint form PDF P0 / printed p1; supplementary complaint details P1; supporting documents/outcome/non-referral/limitation notice P2 / printed p2.","Fresh official form body read and all pages visually inspected. Administrative/prescribed-form evidence, not proof of the merits or current regulation-50 text. \nNCR\n+2"],["S005","NCR, Circular 03 of 2025 — Updated Contact Details, June 2025. https://www.ncr.org.za/documents/Circulars/Circular%203%20of%202025%20-%20NCR%20Contact%20Details%20final.pdf","Complaints mandate and target table PDF P3 / printed p4; investigations/enforcement mandate and target table P4 / printed p5.","Fresh official circular read and page images inspected. Administrative contact/service-target guidance, not an NCA statutory turnaround period or decision guarantee. \nNCR\n+1"],["S006","NCR, Debt Counselling — A Debt Relief Measure for Over-Indebted Consumers, August 2022. https://www.ncr.org.za/documents/Media%20release%20-%20Debt%20counselling%20Campaign(August)-Final.pdf","General debt-counselling and complaint/registration guidance, PDF P0–P3.","Fresh official regulator explanation. Guidance/media material, not a statutory complaint adjudication or current fee instrument. \nNCR"],["S007","NCR, Beware of Misleading and Prohibited Practices by Debt Counsellors, August 2024. https://www.ncr.org.za/documents/BEWARE%20OF%20MISLEADING%20AND%20PROHIBITED%20PRACTICES%20BY%20DEBT%20COUNSELLORS_Media%20release%20August%202024_1.pdf","Reported complaint trends and misleading-enrolment warning, PDF P0–P2.","Fresh official regulator media body read. Evidence of reported regulator concerns only; not proof of a particular contravention or enforcement result. \nNCR"],["S008","NCR, Complaint Forms public index. https://ncr.org.za/act/list-of-forms/category/31-complaint-forms","Generic HTML page and complaints/form-navigation entries; PDF index not applicable.","Fresh public index read. Current navigation evidence only; page rendering contains unrelated legacy content and is not a substitute for Form 29 itself. \nNCR"],["S009","National Consumer Tribunal, Rules for the Conduct of Matters before the National Consumer Tribunal, as amended — English. https://www.thenct.org.za/wp-content/uploads/2025/11/RULES-FOR-THE-CONDUCT-OF-MATTTERS-BEFORE-THE-NATIONAL-CONSUMER-TRIBUNAL-AS-AMENDED-ENGLISH-1.pdf","Search metadata identifies a 199-page current compiled rules PDF; direct open failed by timeout. No page body was read.","Failed current primary candidate. One attempt only; no identical retry or workaround. It cannot support a current filing deadline, form or leave test in P10. \nNCT"],["S010","NCT, official home page. https://www.thenct.org.za/","HTML statement that cases proceed under the Tribunal Rules; PDF page not applicable.","Fresh official metadata/navigation source. Does not supply the detailed current rule text. \nNCT"],["S011","Minister, Regulations for matters relating to the functions of the Tribunal and Rules for conduct of matters before the Tribunal — amendment, GG34405, GN428, 29 June 2011. https://www.gov.za/sites/default/files/gcis_document/201409/34405gen428.pdf","Historical Tribunal-rules amendment body; source identity and selected procedural architecture reviewed.","Official historical final rules source, but not used to certify the complete current §141 filing package in 2026."],["S012","Minister, Draft National Credit Regulations and draft Tribunal Rules amendments, GG37882, GoN R597, 1 August 2014. https://www.gov.za/sites/default/files/gcis_document/201409/37882rg10242gon597.pdf","Draft rules and tables concerning direct referrals/condonation around PDF P203–P204 and P211; printed GG pp206–207 and 214.","Fresh official draft body identified and relevant pages inspected previously. Expressly draft; not used as operative procedural authority. \nSouth African Government"],["S013","South African Government, Public Holidays in South Africa. https://www.gov.za/about-sa/public-holidays","2026 public-holiday list; HTML, no PDF index.","Fresh official public-information source. Used only for the fictional §56 business-day calculation. \nSouth African Government"],["S014","dtic/NCR, NCR Annual Report 2024/25. https://www.thedtic.gov.za/wp-content/uploads/NCR-Annual-Report-2024_2025.pdf","Prior P07 source: debt-counselling compliance practice around PDF P44–P45 / printed pp43–44.","Precisely attributable prior reviewed context, not used to prove the elements or outcome of an actual complaint. It remains dated practice evidence only. \nDTIC"]]},{"headers":["Claim ID","Area","Exact actor, predicate, act and effect","Primary source/pinpoint","Exception, currentness or application hold"],"index":6,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Area","Exact actor, predicate, act and effect","Primary source/pinpoint","Exception, currentness or application hold"],["C_ZA-P10-C001","A097/A098 held","Any person may submit a complaint concerning an alleged NCA contravention or reckless credit in prescribed form.","S002 cl36, PDF P14; NCA §136.","Jurisdiction and later standing still require classification."],["C002","Held","NCR may initiate a complaint in its own name.","S001 §136(2), PDF P88.","Does not create a right to NCR initiation."],["C003","Held","The substituted §136(1) commenced with Act19/2014 on 13 Mar 2015.","S003 P0/GG p3.","No complete 2026 consolidation claim."],["C004","Held","“Any person” does not make every dispute an NCA complaint or establish every later private remedy.","S002 §136; statutory-context inference.","Actual conduct and relief matter."],["C005","Held","Ordinary debt-counsellor conduct may fall within NCR jurisdiction when it allegedly contravenes the NCA or registration conditions.","S001 §§52(5)(c),55,136.","Exact current condition and facts required."],["C006","Held","Regulator media reports misleading debt-review enrolment complaints but does not prove individual liability.","S007 P0–P2.","Guidance/practice only."],["C007","Held","NCR complaint, internal provider complaint, NCT matter and other-regulator process are distinct.","S001 §§136–141; scope analysis.","No universal forwarding duty proved."],["C008","Held","Registered-actor noncompliance may engage §55.","S001 §55, P37–38.","Reasonable grounds and notice predicates required."],["C009","Held","Unregistered regulated activity may engage §54.","S001 §54, P37.","Activity and registration absence must be proved."],["C010","Held","Consumer allegation alone does not create either notice.","§§54–55 structure.","NCR determination required."],["C011","Held","P10 performed no named registry or licence lookup.","Research-method fact.","Actual registration status unresolved."],["C012","Held","Form29 requests identity, respondent details, allegation and confirmation of NCR consideration.","S004 P0.","Form content is not merits proof."],["C013","Held","Form29 warns information may be considered/shared and a sworn statement may be required.","S004 P0/P2.","Confidentiality remains qualified."],["C014","Held","Form29 permits an authorised representative and refers to regulation 50/POA.","S004 P0.","Complete current regulation 50 body not certified."],["C015","Held","Supplementary form asks for dates, prior steps, supporting documents and desired outcome.","S004 P1–P2.","Supplementary page says completion is not mandatory."],["C016","Held","Prior-provider contact was not established as universal exhaustion for ordinary DC complaints.","S002 §136; S004 P1.","Special complaint types may differ."],["C017","Held","Call-centre initiation and authorised third-party submission are contemplated by Form29.","S004 P0.","Actual authority documents still matter."],["C018","Held","Exact current regulation-50 representation package remains partially unresolved.","S004 reference; current-regulations gap.","Form is not full regulation text."],["C019","Held","Anonymous consumer complaint route was not established.","S004 identity/signature fields.","Does not prove anonymous information can never be received."],["C020","Held","NCR own-initiative complaint is separate from complainant entitlement.","S001 §136(2).","NCR discretion retained."],["C021","Held","Form29 does not promise complete secrecy and permits information exchange.","S004 P0/P2.","Proper legal handling required."],["C022","Held","§156 protects confidential information subject to administration/enforcement/justice exceptions.","S001 §156, P96–97.","Not blanket secrecy."],["C023","Held","NCT hearings are public subject to confidentiality/proper-conduct exclusions.","S001 §142, P91–92.","Specific protective ruling may be available."],["C024","Held","NCR complaints department receives complaints and sometimes mediates.","S005 P3/printed p4.","Circular practice, not statutory duty."],["C025","Held","Circular03 lists operational target times.","S005 P3–P4.","Not statutory resolution deadlines."],["C026","Held","§139 requires investigation “as quickly as practicable,” not within a fixed universal period.","S001 §139(1)(c), P90.","Matter-specific timing."],["C027","Held","NCR may initially non-refer, redirect or investigate.","S001 §139(1).","Not mandatory investigation."],["C028","Held","Initial non-referral applies to frivolous/vexatious or legally insufficient allegations.","S001 §139(1)(a).","Not necessarily a factual exoneration."],["C029","Held","Reckless-credit/over-indebtedness matter may be referred to a debt counsellor.","S001 §139(1)(b)(i).","Different from complaint against debt counsellor."],["C030","Held","Matter may be referred for ADR assistance under §134.","S001 §139(1)(b)(ii).","Resolution is not automatically an NCT order."],["C031","Held","Form29 contemplates an assessment outcome and possible request for non-referral notice.","S004 P2.","Exact procedural rights governed by Act/rules."],["C032","Held","A non-referral notice enables potential §141 route, subject to statutory exclusions.","S001 §141; S004 P2.","Leave and procedure still required."],["C033","Held","NCR’s informal mediation practice is distinct from formal investigation.","S005 P3; S001 §139.","No guaranteed settlement."],["C034","Held","Qualifying resolution/agreement may be confirmed as consent order.","S001 §138(1), P89.","Confirmation required."],["C035","Held","With complainant consent, a §138(1)(b) consent order may include damages.","S001 §138(2).","Not automatic damages."],["C036","Held","NCR may designate assistants and summon persons/documents in investigation.","S001 §139(2)–(3).","Formal investigation predicate."],["C037","Held","Person questioned must answer truthfully subject to self-incrimination protection.","S001 §139(4)–(5).","Criminal-use exceptions stated in Act."],["C038","Held","Form submission is not equivalent to inspector summons.","S004 versus §139.","Different legal acts."],["C039","Held","After investigation NCR may non-refer, refer prohibited conduct, apply to NCT or refer offence to NPA.","S001 §140(1).","NCR belief is not final merits finding."],["C040","Held","Suspected prohibited conduct may be referred to consumer court or NCT.","S001 §140(2)–(3).","Provincial-law/venue predicates."],["C041","Held","NPA referral applies where complaint concerns an NCA offence.","S001 §140(1)(d).","NCR complaint does not prove offence."],["C042","Held","Provincial consumer-court route depends on residence/business nexus and court availability.","S001 §140(2).","Provincial procedures unexamined."],["C043","Held","Another province may be used on convenience/justice basis where applicable courts are absent.","S001 §140(3).","No province-specific result."],["C044","Held","Consumer-court order on referral can have Tribunal-equivalent force.","S001 §140(6)–(7).","Actual referral/order required."],["C045","Held","After non-referral, complainant may approach provincial consumer court or NCT with leave.","S001 §141(1).","§61/offence exclusions."],["C046","Held","Tribunal direct referral requires leave.","S001 §141(1)(b).","Leave test/rules unresolved."],["C047","Held","Tribunal referral must use prescribed form.","S001 §141(3).","Current form/package not verified."],["C048","Held","Current NCT compiled rules PDF was identified but timed out.","S009.","No body-read claim."],["C049","Held","2014 rules package is expressly draft and cannot prove current filing requirements.","S012.","Draft only."],["C050","Held","Exact current §141 period/form/condonation rules remain unresolved.","S009–S012.","No absence claim."],["C051","Held","§137’s 20-business-day periods must not be transplanted automatically to §141.","S001 §137(2)–(3).","Different actors/triggers."],["C052","Held","Direct-referral complainant may face or receive costs depending on merits finding.","S001 §147.","Discretionary, not automatic."],["C053","Held","Single-member Tribunal decision may be appealed to full panel; full-panel route may reach High Court.","S001 §148.","Rules and exceptions apply."],["C054","Held","§56 objection belongs to recipient of §54/§55 notice, not complainant challenging non-referral.","S001 §56.","Distinct route."],["C055","Held","§166 provides three-year Tribunal/consumer-court limit from act/omission.","S001 §166(1)(a).","Filing/receipt mechanics unresolved."],["C056","Held","Continuing-practice period runs from cessation; duplicate substantially same proceeding restricted.","S001 §166(1)(b),(2).","Actual cessation facts required."],["C057","Held","No general §166 condonation rule was established.","S001 §166; current-rules gap.","Does not rule out every other doctrine."],["C058","Held","NCR may issue §54 cessation notice for unregistered regulated activity.","S001 §54.","Proof required."],["C059","Held","§54 notice must identify actor, activity, cessation date, basis and possible penalty.","S001 §54(3).","Actual notice absent."],["C060","Held","Failure to comply with §54 notice is an offence.","S001 §54(5).","Conviction not automatic."],["C061","Held","§55 compliance notice rests on reasonable grounds of NCA/condition noncompliance.","S001 §55(1).","Regulatory judgment required."],["C062","Held","Notice specifies provision, conduct, corrective steps, period and possible penalty.","S001 §55(3).","Actual terms matter."],["C063","Held","Notice remains until set aside or compliance certificate issued.","S001 §55(4)–(5).","Subject to review route."],["C064","Held","Unobjected noncompliance may be referred to NPA or NCT.","S001 §55(6).","Depends on offense classification."],["C065","Held","Notice recipient has 15 business days after receipt to seek NCT review.","S001 §56(1)(a).","Longer period possible on good cause."],["C066","Held","NCT may confirm, modify or cancel notice.","S001 §56(2).","Not consumer non-referral appeal."],["C067","Held","NCT may cancel registration on NCR request for repeated conditions/Act failures.","S001 §57(1).","Repetition and order required."],["C068","Held","Complaint or media report alone does not cancel registration.","§57 structure.","No named status check."],["C069","Held","§150 also lists suspension/cancellation subject to §57.","S001 §150(g).","Actual proceeding/order required."],["C070","Held","Complainant may separately apply for interim relief.","S001 §149.","Not automatic from complaint."],["C071","Held","Interim relief has truth, necessity, hearing and convenience predicates and six-month limits.","S001 §149(1)–(3).","Actual order required."],["C072","Held","Complaint alone does not stay collection/litigation/reporting.","§149 separate-order inference.","Another law/order may provide relief."],["C073","Held","NCT can declare/interdict prohibited conduct and confirm consent orders.","S001 §150(a),(b),(d).","Prohibited-conduct finding required."],["C074","Held","NCT may confirm cessation order against unregistered person.","S001 §150(f).","Actor/status proof required."],["C075","Held","NCT may make other appropriate NCA/CPA rights orders.","S001 §150(i).","Jurisdiction/right must exist."],["C076","Held","Excess-charge repayment under §150(h) requires applicable excess and order.","S001 §150(h).","Not universal refund."],["C077","Held","Administrative-fine ceiling is greater of 10% preceding-year turnover or R1m.","S001 §151(2).","Turnover method differs by actor."],["C078","Held","Fine factors include gravity, loss, behaviour, market, profit, cooperation and history.","S001 §151(3).","Tribunal discretion."],["C079","Held","Fine is an NCT public sanction.","S001 §§150(c),151.","Not complainant compensation."],["C080","Held","Non-credit-provider turnover is determined in prescribed manner not established here.","S001 §151(4)(b).","Hypothetical turnover only."],["C081","Held","Fine is payable to National Revenue Fund.","S001 §151(5).","Separate from damages/refund."],["C082","Held","Consent damages, excess repayment and civil damages are separate routes.","§§138,150,164.","No automatic combination."],["C083","Held","Civil damages generally require Tribunal certificate.","S001 §164(3).","Separate civil action."],["C084","Held","Consent-order damages bar duplicate civil damages action.","S001 §164(3)(a).","Same subject loss."],["C085","Held","Appeal/review suspends civil-damages action right.","S001 §164(5)–(6).","Final process required."],["C086","Held","NCA-prohibited credit agreement is not automatically void absent declaration.","S001 §164(1) displayed operative/pending text.","2019 amendment held."],["C087","Held","Provider breach does not automatically cancel debt/security/judgment/status.","C072,C076,C082–C086 inference.","Separate laws/orders."],["C088","Held","Tribunal orders are enforceable as High Court orders.","S001 §152.","Actual order required."],["C089","Held","Recommendation/media/annual report is not Tribunal order.","Source-authority distinction.","No case-specific conclusion."],["C090","Held","Fictional §56 receipt 2 Feb 2026 yields 15th business day 23 Feb 2026.","§§2(5),56; S013.","Assumptions stated; recipient clock only."],["C091","Held","Fictional §166 anniversaries are 15 Mar 2027 and 30 Jun 2028.","S001 §166.","Exact filing moment unresolved."],["C092","Held","P07 D06 is now partially researched nationally.","C001–C091.","Full procedure/current rules/private remedies held."],["C093","Held","P06, P08 and P09 are not adopted as reviewed premises.","Supplied provenance.","Separate review required."],["C094","Held","No complaint, form, contact, request, provider lookup or case lookup occurred.","Research-method fact.","Public generic research only."],["C095","Held","A097/A098, provinces, localities and country acceptance remain held.","Scope limitation.","Separate work required."]]},{"headers":["Row","Subquestion","Status","Finding/claims","Missing body/fact and exact next action"],"index":7,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Row","Subquestion","Status","Finding/claims","Missing body/fact and exact next action"],["G1-01","Who may submit","answered","Any person. C001","Apply jurisdiction to actual conduct"],["G1-02","NCR own initiative","answered","Separate §136(2) power. C002,C020","NCR discretion"],["G1-03","2014 amendment commencement","answered","13 Mar 2015. C003","No broader consolidation claim"],["G1-04","NCA subject-matter nexus","partial","Alleged NCA contravention required. C004–C007","Identify operative provision"],["G1-05","Registered debt counsellor conduct","partial","§55/conditions route may apply. C005,C008","Actual condition/status/conduct"],["G1-06","Alleged unregistered actor","partial","§54 route may apply. C009–C011","Registration and activity proof"],["G1-07","Internal provider complaint distinction","answered as boundary","Not same as NCR complaint. C007,C016","Actual provider process separate"],["G1-08","Other-regulator distinction","partial","LPC/FSCA/NCC/etc may be relevant. C007","Actor/service classification"],["G1-09","Form29 core identity fields","answered","C012","Actual form not completed"],["G1-10","Allegation detail and dates","answered","C012,C015","Actual evidence"],["G1-11","Supporting documents","answered as information request","C015","No universal fixed list"],["G1-12","Desired outcome","answered as form field","C015","Requested result not guaranteed"],["G1-13","Prior provider contact","partial","Requested as evidence, not universal exhaustion. C016","Special process exceptions"],["G1-14","Third-party representation","partial","POA route contemplated. C014,C017–C018","Current regulation 50 package"],["G1-15","Call-centre initiation","answered as form practice","C017","No actual contact"],["G1-16","Anonymous complaint","unresolved","No complete anonymous route established. C019–C020","Current formal policy/body"],["G1-17","Confidentiality","partial","Protected but qualified. C021–C023","Actual protective ruling"],["G1-18","Information sharing","answered conditionally","Form warns of inter-organisational exchange. C013,C021","Lawful purpose/scope"],["G1-19","Receipt/acknowledgement","partial","Administrative targets published. C024–C025","Actual receipt and current service"],["G1-20","Complaint resolution deadline","unresolved","No fixed universal statutory deadline. C026","Matter-specific process"],["G1-21","Public NCR assistance/forms","answered as generic information","S004/S008.","No filing/action taken"],["G1-22","Whole current §136/regulation framework","partial","2014 amendment verified; current regulation package incomplete. C003,C018","Full current regulations audit"]]},{"headers":["Row","Subquestion","Status","Finding/claims","Missing body/fact and exact next action"],"index":8,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Row","Subquestion","Status","Finding/claims","Missing body/fact and exact next action"],["G2-01","Mandatory investigation","answered negatively","NCR has choices under §139. C027","Actual assessment"],["G2-02","Frivolous/vexatious non-referral","answered","C028","Apply actual allegations"],["G2-03","Legally insufficient complaint","answered","C028","Identify NCA remedy"],["G2-04","Reckless-credit referral","answered as route","C029","Not complaint against DC by itself"],["G2-05","ADR/ombud referral","answered as route","C030,C033","Actual jurisdiction"],["G2-06","Inspector-directed investigation","answered","C027,C036","NCR decision"],["G2-07","Investigation timing","partial","“As quickly as practicable.” C026","No fixed deadline"],["G2-08","Inspector assistance","answered","C036","Actual appointment"],["G2-09","Summons/documents","answered","C036","Formal summons needed"],["G2-10","Self-incrimination protection","answered","C037","Exact proceeding facts"],["G2-11","Informal mediation","partial","NCR sometimes mediates. C024,C033","No guaranteed settlement"],["G2-12","Consent order","answered conditionally","C034–C035","Agreement/confirmation/consent"],["G2-13","Post-investigation non-referral","answered","C039","Formal notice"],["G2-14","Prohibited-conduct referral","answered","C039–C040","NCR belief and adjudication"],["G2-15","NPA referral","answered as possibility","C041","Offence facts"],["G2-16","Provincial consumer-court referral","partial","C042–C044","Province-specific law"],["G2-17","NCT public referral","answered as route","C039–C040","Actual referral/proof"],["G2-18","Direct referral after non-referral","answered at Act level","C045–C047","Current rules/form/deadline"],["G2-19","NCT leave","answered as substantive requirement","C046","Current leave test"],["G2-20","Current filing deadline","unresolved","C048–C051","Open current NCT rules"],["G2-21","Condonation","unresolved for §141","C048–C051","Current rule and good-cause test"],["G2-22","Direct-referral costs","answered conditionally","C052","Merits/order"],["G2-23","Appeals/reviews","partial","C053–C054","Current Tribunal/High Court rules"]]},{"headers":["Row","Subquestion","Status","Finding/claims","Missing body/fact and exact next action"],"index":9,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Row","Subquestion","Status","Finding/claims","Missing body/fact and exact next action"],["G3-01","§54 actor/activity trigger","answered","C058","Actual actor/status"],["G3-02","§54 notice content","answered","C059","Actual notice"],["G3-03","§54 noncompliance offense","answered","C060","Prosecution/conviction not automatic"],["G3-04","§55 reasonable-ground trigger","answered","C061","Actual provision/condition"],["G3-05","§55 notice content","answered","C062","Actual steps/deadline"],["G3-06","Compliance certificate","answered","C063","Actual compliance"],["G3-07","Failure to comply","answered conditionally","C064","Offence classification"],["G3-08","§56 objection actor","answered","Notice recipient. C054,C065","Not complainant"],["G3-09","§56 15-business-day period","answered","C065,C090","Receipt/service facts"],["G3-10","Good-cause extension","answered at text level","C065","Tribunal determination"],["G3-11","Notice review outcomes","answered","C066","Actual order"],["G3-12","Registration cancellation","answered conditionally","Repeated conduct + NCR request + NCT order. C067–C069","Actual findings"],["G3-13","Complaint as automatic cancellation","answered negatively","C068","None"],["G3-14","Interim relief","answered conditionally","C070–C071","Separate application/order"],["G3-15","Complaint as stay","answered negatively","C072","Other court/order law"],["G3-16","Prohibited-conduct declaration/interdict","answered conditionally","C073","NCT finding"],["G3-17","Unregistered-person order","answered conditionally","C074","Status/activity proof"],["G3-18","Excess-charge repayment","partial","C076","Applicable fee standard/order"],["G3-19","Administrative fine ceiling","answered","C077","Turnover methodology"],["G3-20","Fine factors","answered","C078","Tribunal discretion"],["G3-21","Fine versus compensation","answered","C079–C082","Separate consumer remedy"],["G3-22","Consent damages","answered conditionally","C035,C082","Confirmation and consent"],["G3-23","Civil damages certificate","answered at gateway level","C083–C085","Full civil claim deferred"],["G3-24","Automatic contract/debt voidness","answered negatively","C086–C087","Separate declaration/remedy"],["G3-25","Order enforcement","answered conditionally","C088–C089","Actual final order"]]},{"headers":["Row","Workflow","Status","Finding/claims","Missing evidence"],"index":10,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Row","Workflow","Status","Finding/claims","Missing evidence"],["G4-01","Unperformed aftercare","partial classification","C012–C016,C061–C076","Fee authority, work, contract"],["G4-02","Fee quote/current authority unresolved","partial classification","C005–C007,C073–C076","Current condition/source"],["G4-03","Failed internal contact","answered as evidentiary branch","C015–C016","Actual communications"],["G4-04","NCR non-referral","partial","C045–C052","Current NCT rules"],["G4-05","NCR public referral","answered as conditional route","C036–C044","Investigation/finding"],["G4-06","Consent resolution","answered conditionally","C034–C035,C082","Signed agreement/order"],["G4-07","Fine/cancellation versus refund","answered as distinction","C067–C085","Actual order/turnover"],["G4-08","Complaint during collection litigation","answered as no automatic stay","C070–C072","Court/interim order"],["G4-09","Wrong-regulator branch","partial","C007","Actual service/actor"],["G4-10","Unregistered-actor allegation","partial","C058–C060,C074","Registration/activity proof"],["G4-11","Two statutory clock calculations","answered conditionally","C090–C091","Actual receipt/filing facts"]]},{"headers":["Row","Matter","Status","Finding/claims","Exact next action"],"index":11,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[]],"rows":[["Row","Matter","Status","Finding/claims","Exact next action"],["G5-01","P07 D06 complaint gateway","partial substantive completion","C092","Current rules/private remedies"],["G5-02","P07 annual-report practice","retained with limit","Not case proof","No extrapolation"],["G5-03","P09 repairs","awaiting review","C093","Separate coordinator review"],["G5-04","P06 PDA","excluded as premise","C093","Separate review"],["G5-05","P08 CPA/ECTA","excluded as premise","C093","Separate review"],["G5-06","Current NCA consolidation","partial","S001 limitations","Authoritative complete update"],["G5-07","Current NCT rules","unresolved","C048–C050","Obtain readable official body"],["G5-08","No actual filing/contact/search","answered","C094","None"],["G5-09","A097/A098/country acceptance","held","C095","Separate complete review"]]},{"headers":["Row","Deferred family","Status","Exact retained question"],"index":12,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Row","Deferred family","Status","Exact retained question"],["D01","Current NCR debt-counsellor fee amounts","excluded_with_reason","What presently operative rule/condition governs each amount?"],["D02","Fee-guideline incorporation/current conditions","excluded_with_reason","What current registration condition incorporates any fee cell?"],["D03","Reckless-lending-fee withdrawal","excluded_with_reason","What final operative withdrawal/adoption instrument applies?"],["D04","Application-fee inflation","excluded_with_reason","What current adjustment method and amount applies?"],["D05","Current refund/withdrawal fee rules","excluded_with_reason","What final current fee/refund instrument applies?"],["D06","PDA client money/trust/distribution","excluded_with_reason","P06 remains unreviewed."],["D07","Full CPA/ECTA service contract","excluded_with_reason","P08 remains unreviewed."],["D08","Private contract interpretation","excluded_with_reason","No actual contract obtained."],["D09","Private cause, damages quantum and civil procedure","excluded_with_reason","§164 gateway only; full claim held."],["D10","Professional permission/legal practice","excluded_with_reason","What actual work is reserved or regulated?"],["D11","FSCA/financial-product permission","excluded_with_reason","What product/advice/intermediation is involved?"],["D12","Attorney trust and legal costs","excluded_with_reason","Separate professional regime."],["D13","Provider business/perimeter","excluded_with_reason","Preserve P01 actor-classification holds."],["D14","NCA debt-product classification","excluded_with_reason","Which underlying agreements are covered?"],["D15","Creditor collection/validation/disputes","excluded_with_reason","Separate creditor/collector rules."],["D16","Security/mortgage/repossession","excluded_with_reason","Complaint does not alter security automatically."],["D17","Credit reporting/clearance","excluded_with_reason","Complaint does not change reporting automatically."],["D18","Prescription/other limitation rules","excluded_with_reason","Only NCA §166 gateway addressed."],["D19","Court litigation/service/default/judgments","excluded_with_reason","No stay or court procedure completed."],["D20","Insolvency/sequestration/administration/rescue","excluded_with_reason","Separate statutory remedies."],["D21","2019 debt intervention","excluded_with_reason","P02/P03 commencement holds unchanged."],["D22","Tax/VAT","excluded_with_reason","No fiscal result."],["D23","Public, fines, maintenance, rent, medical and utility debts","excluded_with_reason","Sector-specific law."],["D24","Foreign law/jurisdiction/recognition","excluded_with_reason","A098 held."],["D25","Whole-country and A097/A098 acceptance","excluded_with_reason","No acceptance from this gateway."]]},{"headers":["Row","Province","Status","Exact remaining question"],"index":13,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[]],"rows":[["Row","Province","Status","Exact remaining question"],["T01","Eastern Cape","unresolved","Does a functioning consumer court exist for this matter, and what provincial legislation, forms, time periods and venue rules apply?"],["T02","Free State","unresolved","Same province-specific consumer-court and referral analysis"],["T03","Gauteng","unresolved","NCR/NCT national presence does not establish Gauteng provincial procedure"],["T04","KwaZulu-Natal","unresolved","Same province-specific body and procedure"],["T05","Limpopo","unresolved","Same province-specific body and procedure"],["T06","Mpumalanga","unresolved","Same province-specific body and procedure"],["T07","Northern Cape","unresolved","Same province-specific body and procedure"],["T08","North West","unresolved","Same province-specific body and procedure"],["T09","Western Cape","unresolved","Same province-specific body and procedure"]]},{"headers":["Candidate","Supported function","Required warning"],"index":14,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Candidate","Supported function","Required warning"],["NCR complaint evidence checklist","Organise actor, registration claim, dates, communications, invoice, service promise, work records, requested outcome and supporting documents","Not an official legal-completeness certificate"],["Complaint-route classifier","Distinguish NCR complaint, internal provider issue, NCT direct referral, consumer court, LPC, FSCA, NCC and court","Cannot decide jurisdiction without actual facts"],["Non-referral process map","Explain NCR non-referral, provincial consumer-court route and NCT leave requirement","Exact current NCT deadline/form unresolved"],["Regulatory-versus-private-remedy explainer","Separate compliance notice, fine, registration cancellation, excess-charge order, consent damages and civil damages","Complaint alone gives none automatically"],["Complaint-status glossary","Define acknowledgement, assessment, investigation, non-referral, referral, consent order, NCT finding and final order","Administrative targets are not statutory completion deadlines"],["Three-year limitation worksheet","Separate one-time act from continuing practice and record source dates","Must not produce a legal filing deadline without current rules and receipt facts"],["Notice-objection calculator","Calculate §56’s 15 business days for notice recipient","Not the complainant’s §141 deadline"],["Collection-stay warning card","Explain that complaint alone does not stop litigation or collection","Any stay requires separate authority/order"],["Public-enforcement outcome table","Show NCR, NCT, consumer-court and NPA roles","No promised sanction or refund"],["Blank consent-resolution checklist","Identify agreement, complainant consent, confirmation and compliance proof","Not a substitute for an actual order"]]},{"headers":["Deliverable","Actual displayed count"],"index":15,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Deliverable","Actual displayed count"],["P10 source-register rows","14"],["P10 atomic claims","95"],["G1 core coverage rows","22"],["G2 core coverage rows","23"],["G3 core coverage rows","25"],["G4 workflow/clock coverage rows","11"],["G5 reconciliation/currentness rows","9"],["Total core coverage rows","90"],["Explicit deferred-family rows","25"],["Provincial rows","9"],["Total coverage rows","124"],["Fictional substantive workflows","10"],["Separate clock examples","2"],["Administrative-fine ceiling examples","2"],["Process/consequence crosswalk rows","17"],["Reviewed-gap disposition rows","6"]]}],"claims":[{"claim_id":"C_ZA-P10-C001","area_numbers":[97,98],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C_ZA-P10-C001","Area":"A097/A098 held","Exact actor, predicate, act and effect":"Any person may submit a complaint concerning an alleged NCA contravention or reckless credit in prescribed form.","Primary source/pinpoint":"S002 cl36, PDF P14; NCA §136.","Exception, currentness or application hold":"Jurisdiction and later standing still require classification."},"coordinator_verification_status":"reviewed_with_bounded_precision_revision_and_source_currentness_procedure_application_holds","coordinator_review":{"claim_id":"C_ZA-P10-C001","original_proposition":"Any person may submit a complaint concerning an alleged NCA contravention or reckless credit in prescribed form.","original_pointer":"S002 cl36, PDF P14; NCA §136.","original_hold":"Jurisdiction and later standing still require classification.","coordinator_status":"checked_at_scoped_body_or_retained_source_currentness_application_hold","result":"2014complaintgateway/owninitiative/currentness predicates compared; complaintstanding doesnotestablishalllaterremedies.","related_findings":[],"explicit_contextual_source_ids":["C_ZA-P10-S002"],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence 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partially researched nationally.","original_pointer":"C001–C091.","original_hold":"Full procedure/current rules/private remedies held.","coordinator_status":"checked_at_scoped_body_or_retained_source_currentness_application_hold","result":"SuppliedP07D06scope/method/historicdependency/countryholds retained; laterreviewstatuses notpremiseadoption.","related_findings":[],"explicit_contextual_source_ids":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_source_ids":[]},{"claim_id":"C_ZA-C093","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C093","Area":"Held","Exact actor, predicate, act and effect":"P06, P08 and P09 are not adopted as reviewed premises.","Primary source/pinpoint":"Supplied provenance.","Exception, currentness or application hold":"Separate review required."},"coordinator_verification_status":"reviewed_with_bounded_precision_revision_and_source_currentness_procedure_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"claim_id":"C_ZA-C093","original_proposition":"P06, P08 and P09 are not adopted as reviewed premises.","original_pointer":"Supplied provenance.","original_hold":"Separate review required.","coordinator_status":"checked_at_scoped_body_or_retained_source_currentness_application_hold","result":"SuppliedP07D06scope/method/historicdependency/countryholds retained; laterreviewstatuses notpremiseadoption.","related_findings":[],"explicit_contextual_source_ids":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false},"coordinator_review_file":"[internal evidence reference]","coordinator_source_ids":[]},{"claim_id":"C_ZA-C094","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim 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Official Gazette printed-page mapping was not independently established for this compilation.","Status, version and limits":"Fresh material provisions read and page images inspected. Dated consolidation contains pending 2019 amendments and is not certified as a complete October 2026 consolidation. Current-law conclusions are limited to the operative text separately supported and the displayed amendment notes. \nDTIC\n+8"},"coordinator_verification_status":"reviewed_with_bounded_precision_revision_and_source_currentness_procedure_application_holds","coordinator_review":{"source_id":"C_ZA-P10-S001","stored_source_id":"C_ZA-P10-S001","fresh_URLs_read":["https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf"],"dated_reuse":[{"source_id":"C_ZA-P10-S001","source_review":"[internal evidence reference]","original_complete_packet":"[internal evidence reference]","unmodified_local_copy":"[internal evidence reference]","sha256":"9bd11f986588d36485c460dc61958392a6270f9f782c246e6aa2db41b3d7dc90","reversible_JSON":"[internal evidence reference]","chunk":2,"line_range":[702,707],"prior_exact_read_map":"[internal evidence reference]","read_again_in_context":true,"dated_reuse_not_fresh_fetch":true,"PDFpixels":false}],"coordinator_status":"selected_fresh_body_compared_with_limits","result":"Selected datedNCA bodies compared, not complete2026operativeconsolidation; pendingnotes/currentness and linked/currentrules/application held.","all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"original_record_unchanged":true},"coordinator_review_file":"[internal evidence reference]","coordinator_pass_source_id":"C_ZA-P10-S001"},{"source_id":"C_ZA-S002","urls":["https://www.gov.za/sites/default/files/gcis_document/201409/37665gon389.pdf"],"researcher_record":{"Source ID":"S002","Issuer, title and complete literal HTTPS URL":"Parliament/Presidency, National Credit Amendment Act 19 of 2014, GG37665, GoN389, 19 May 2014. https://www.gov.za/sites/default/files/gcis_document/201409/37665gon389.pdf","Exact provisions/pages actually read":"Amendment of §136, clause 36, zero-based PDF P14; internal printed Act page 28.","Status, version and limits":"Fresh enacted primary body read. Supports “any person” complaint wording. Commencement established separately by S003. \nSouth African Government"},"coordinator_verification_status":"reviewed_with_bounded_precision_revision_and_source_currentness_procedure_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"source_id":"C_ZA-P10-S002","stored_source_id":"C_ZA-S002","fresh_URLs_read":["https://www.gov.za/sites/default/files/gcis_document/201409/37665gon389.pdf"],"dated_reuse":[],"coordinator_status":"selected_fresh_body_compared_with_limits","result":"2014clause36andhistorical2015commencement compared separately; latercurrentchainheld.","all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"original_record_unchanged":true},"coordinator_review_file":"[internal evidence reference]","coordinator_pass_source_id":"C_ZA-P10-S002"},{"source_id":"C_ZA-S003","urls":["https://www.gov.za/sites/default/files/gcis_document/201503/38557reg10382pro10.pdf"],"researcher_record":{"Source ID":"S003","Issuer, title and complete literal HTTPS URL":"President, Commencement of the National Credit Amendment Act 19 of 2014, Proclamation R.10 of 2015, GG38557, 13 March 2015. https://www.gov.za/sites/default/files/gcis_document/201503/38557reg10382pro10.pdf","Exact provisions/pages actually read":"Entire proclamation, PDF P0 / printed GG p3.","Status, version and limits":"Fresh primary body read. Brings Act 19/2014 into operation on publication. It is not the 2019 debt-intervention commencement instrument. \nSouth African Government"},"coordinator_verification_status":"reviewed_with_bounded_precision_revision_and_source_currentness_procedure_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"source_id":"C_ZA-P10-S003","stored_source_id":"C_ZA-S003","fresh_URLs_read":[],"dated_reuse":[{"source_id":"C_ZA-P10-S003","source_review":"[internal evidence reference]","original_complete_packet":"[internal evidence reference]","unmodified_local_copy":"[internal evidence reference]","sha256":"0300d1face7228fd781f4b1028672fec9fc35752bb3de47d17cff5e28942a2b5","reversible_JSON":"[internal evidence reference]","chunk":2,"line_range":[0,15],"prior_exact_read_map":"[internal evidence reference]","read_again_in_context":true,"dated_reuse_not_fresh_fetch":true,"PDFpixels":false}],"coordinator_status":"exact_dated_parsed_reuse_with_limits","result":"2014clause36andhistorical2015commencement compared separately; latercurrentchainheld.","all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"original_record_unchanged":true},"coordinator_review_file":"[internal evidence reference]","coordinator_pass_source_id":"C_ZA-P10-S003"},{"source_id":"C_ZA-S004","urls":["https://www.ncr.org.za/documents/form%2029%20new.pdf"],"researcher_record":{"Source ID":"S004","Issuer, title and complete literal HTTPS URL":"National Credit Regulator, NCR Form 29 — Complaint Initiation Form. https://www.ncr.org.za/documents/form%2029%20new.pdf","Exact provisions/pages actually read":"Main complaint form PDF P0 / printed p1; supplementary complaint details P1; supporting documents/outcome/non-referral/limitation notice P2 / printed p2.","Status, version and limits":"Fresh official form body read and all pages visually inspected. Administrative/prescribed-form evidence, not proof of the merits or current regulation-50 text. \nNCR\n+2"},"coordinator_verification_status":"reviewed_with_bounded_precision_revision_and_source_currentness_procedure_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"source_id":"C_ZA-P10-S004","stored_source_id":"C_ZA-S004","fresh_URLs_read":["https://www.ncr.org.za/documents/form%2029%20new.pdf"],"dated_reuse":[],"coordinator_status":"selected_fresh_body_compared_with_limits","result":"OfficialForm29selectedmain/supplement/nonreferral body compared, not all currentreg50/filingrules/merits or freshpixels.","all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"original_record_unchanged":true},"coordinator_review_file":"[internal evidence reference]","coordinator_pass_source_id":"C_ZA-P10-S004"},{"source_id":"C_ZA-S005","urls":["https://www.ncr.org.za/documents/Circulars/Circular%203%20of%202025%20-%20NCR%20Contact%20Details%20final.pdf"],"researcher_record":{"Source ID":"S005","Issuer, title and complete literal HTTPS URL":"NCR, Circular 03 of 2025 — Updated Contact Details, June 2025. https://www.ncr.org.za/documents/Circulars/Circular%203%20of%202025%20-%20NCR%20Contact%20Details%20final.pdf","Exact provisions/pages actually read":"Complaints mandate and target table PDF P3 / printed p4; investigations/enforcement mandate and target table P4 / printed p5.","Status, version and limits":"Fresh official circular read and page images inspected. Administrative contact/service-target guidance, not an NCA statutory turnaround period or decision guarantee. \nNCR\n+1"},"coordinator_verification_status":"reviewed_with_bounded_precision_revision_and_source_currentness_procedure_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"source_id":"C_ZA-P10-S005","stored_source_id":"C_ZA-S005","fresh_URLs_read":["https://www.ncr.org.za/documents/Circulars/Circular%203%20of%202025%20-%20NCR%20Contact%20Details%20final.pdf"],"dated_reuse":[],"coordinator_status":"selected_fresh_body_compared_with_limits","result":"Circular2025selectedmandate/targettable parsedtext compared, not statutorydeadlines/currentservice/pixelalignment.","all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"original_record_unchanged":true},"coordinator_review_file":"[internal evidence reference]","coordinator_pass_source_id":"C_ZA-P10-S005"},{"source_id":"C_ZA-S006","urls":["https://www.ncr.org.za/documents/Media%20release%20-%20Debt%20counselling%20Campaign(August)-Final.pdf","https://www.ncr.org.za/documents/Media%20release%20-%20Debt%20counselling%20Campaign%28August%29-Final.pdf"],"researcher_record":{"Source ID":"S006","Issuer, title and complete literal HTTPS URL":"NCR, Debt Counselling — A Debt Relief Measure for Over-Indebted Consumers, August 2022. https://www.ncr.org.za/documents/Media%20release%20-%20Debt%20counselling%20Campaign(August)-Final.pdf","Exact provisions/pages actually read":"General debt-counselling and complaint/registration guidance, PDF P0–P3.","Status, version and limits":"Fresh official regulator explanation. Guidance/media material, not a statutory complaint adjudication or current fee instrument. \nNCR"},"coordinator_verification_status":"reviewed_with_bounded_precision_revision_and_source_currentness_procedure_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"source_id":"C_ZA-P10-S006","stored_source_id":"C_ZA-S006","fresh_URLs_read":[],"dated_reuse":[],"coordinator_status":"original_source_unreopened_hold","result":"Originalreportedsourceorhistorical/draft/practice context retained; not freshly reopened or upgraded to currentcompleteprimaryverification.","all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"original_record_unchanged":true},"coordinator_review_file":"[internal evidence reference]","coordinator_pass_source_id":"C_ZA-P10-S006"},{"source_id":"C_ZA-S007","urls":["https://www.ncr.org.za/documents/BEWARE%20OF%20MISLEADING%20AND%20PROHIBITED%20PRACTICES%20BY%20DEBT%20COUNSELLORS_Media%20release%20August%202024_1.pdf"],"researcher_record":{"Source ID":"S007","Issuer, title and complete literal HTTPS URL":"NCR, Beware of Misleading and Prohibited Practices by Debt Counsellors, August 2024. https://www.ncr.org.za/documents/BEWARE%20OF%20MISLEADING%20AND%20PROHIBITED%20PRACTICES%20BY%20DEBT%20COUNSELLORS_Media%20release%20August%202024_1.pdf","Exact provisions/pages actually read":"Reported complaint trends and misleading-enrolment warning, PDF P0–P2.","Status, version and limits":"Fresh official regulator media body read. Evidence of reported regulator concerns only; not proof of a particular contravention or enforcement result. \nNCR"},"coordinator_verification_status":"reviewed_with_bounded_precision_revision_and_source_currentness_procedure_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"source_id":"C_ZA-P10-S007","stored_source_id":"C_ZA-S007","fresh_URLs_read":[],"dated_reuse":[],"coordinator_status":"original_source_unreopened_hold","result":"Originalreportedsourceorhistorical/draft/practice context retained; not freshly reopened or upgraded to currentcompleteprimaryverification.","all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"original_record_unchanged":true},"coordinator_review_file":"[internal evidence reference]","coordinator_pass_source_id":"C_ZA-P10-S007"},{"source_id":"C_ZA-S008","urls":["https://ncr.org.za/act/list-of-forms/category/31-complaint-forms"],"researcher_record":{"Source ID":"S008","Issuer, title and complete literal HTTPS URL":"NCR, Complaint Forms public index. https://ncr.org.za/act/list-of-forms/category/31-complaint-forms","Exact provisions/pages actually read":"Generic HTML page and complaints/form-navigation entries; PDF index not applicable.","Status, version and limits":"Fresh public index read. 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