{"meta":{"key":"c_za--pass-13","task":"C_ZA","title":"CZA South Africa","parent_title":"South Africa consumer debt and resolution","edition":"pass-13","path":"/research/c_za--pass-13/","kind":"split_pass","category":"international","role":"country","area_numbers":[97,98],"groups":["global"],"date":"2026-10-27","tables":15,"claims":68,"sources":12,"review_status":"same_coordinator_selected_primary_arithmetic_coverage_checked_with_holds","review_complete":true,"sha256":"ac09861ff80bc528ce9d3f6b3982b1ccf85319c4d504a1d5daa4eb0ba3bb7b16","headings":["NCA agreement, applicability and debt-type classification gateway","Principal disposition","G1.1 Source edition, amendment and commencement","G1.2 “Consumer,” natural persons and juristic persons","G1.3 Territorial nexus","G1.4 State, organs of state, the Reserve Bank and public providers","G1.5 Arm’s-length requirement","G1.6 Juristic-person threshold","G1.7 Large agreements with below-threshold juristic consumers","G1.8 Limited application where a juristic consumer remains covered","G1.9 Incidental credit has limited, not absent, NCA coverage","G1.10 Cheques, third-party cards and continuous services","G1.11 Classification is not provider permission","G2.1 Core agreement categories","G2.2 Express exclusions from “credit agreement”","G2.3 Deferral alone is not necessarily credit","G2.4 Periodic payment is not automatically deferral","G2.5 Threshold instrument and continuing status","G2.6 Small, intermediate and large agreements","Small","Intermediate","Large","Credit facilities above R250,000","Credit guarantees","G2.7 Principal debt versus total cost","G2.8 Mortgage and secured-loan distinction","G2.9 Guarantee follows the underlying agreement","Workflow 1 — Immediate cash sale","Workflow 2 — Interest-bearing store card","Workflow 3 — Overdraft above the lower threshold","Workflow 4 — Ordinary unsecured term loan with interest","Workflow 5 — Movable-goods instalment agreement","Workflow 6 — Periodic movable-property payments with no charge","Workflow 7 — Medical or municipal service arrears","Workflow 8 — Residential rent versus NCA-defined lease","Workflow 9 — Natural-person surety for excluded corporate loan","Workflow 10 — Below-threshold corporate consumer, non-large agreement","Workflow 11 — Corporate consumer exactly at R1 million","Workflow 12 — Principal below higher threshold, total payments above it","Workflow 13 — Small mortgage","Example A — juristic threshold equality","Example B — lower boundary for a facility","Example C — upper boundary for an ordinary credit transaction","Example D — amount deferred versus total cost","Example E — mortgage overrides amount","G1 — Scope, parties, nexus and exceptions","G2 — Agreement types and thresholds","G3 — Published merits authorities","G4 — Fictional workflows and arithmetic","G5 — Reviewed gap and scope","Consistency self-check","Exact next primary-source question"],"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-13","facets":{"geography":["international","c_za"],"debt_type":["unknown"],"stage":["repossession"],"subject":["definitions-classification","agreements-disclosures"]},"scope":"SettleADebt C_ZA PASS-13 -- SOUTH AFRICA, SAME ORIGINAL AUTHORISED REGULAR CHAT. DISTINCT REVIEWED P05 D11 REMAINING NCA AGREEMENT/APPLICABILITY AND DEBT-TYPE CLASSIFICATION GATEWAY ONLY. Exact reviewed row appended. No full fee/privateCPA-ECTAcontract/PDA/prescription/enforcement reportreplay. P06PDA/P10enforcement/P12prescription saved UNREVIEWED, noneacceptedpremises. P01-P03/P05/P07/P08/P09/P11 SAMEcoordinator scopedreviewswithholds only, no countryacceptance. Source necessary currentNCA applicability/threshold/definition rules freshly; older2019enactment/commencement findings not license to assume uncommencedmodule operative.","pending_corrections":0},"markdown":"# SettleADebt C_ZA PASS-13 — South Africa\n\n## NCA agreement, applicability and debt-type classification gateway\n\n**Focused component:** Reviewed P05 D11 — full product and debt-type coverage.\n\n**Fresh research access:** 26 October 2026 PDT; 27 October 2026 UTC and SAST. Exact source-opening clock times were not logged and are unknown.\n\n**Mode and provenance:** Regular Chat with public primary-source browsing. The coordinator-selected model family and power are not independently exposed here; no Pro, quota-reset, measured-ranking or independent-review claim is made. P06, P10 and P12 remain saved but unreviewed and are not adopted as premises.\n\n**Scope:** This pass classifies agreements and parties under the National Credit Act 34 of 2005 (NCA). It does not decide whether any actual agreement is valid, enforceable, reckless, in default, eligible for debt review, subject to prescription, lawfully collected, or offered by an authorised provider.\n\n## Principal disposition\n\nAn NCA classification should proceed in this order:\n\n1. **Party, nexus and arm’s-length gateway:** Is the agreement made at arm’s length, within or having effect within South Africa, and not excluded because of the consumer’s status, the South African Reserve Bank, or an approved foreign-credit-provider transaction?\n2. **Agreement-type gateway:** Does the arrangement actually satisfy the elements of a credit facility, credit transaction or credit guarantee under §8?\n3. **Monetary category:** If it is a covered credit agreement, is it small, intermediate or large under §9?\n4. **Limited-application overlays:** Is it incidental credit, or is the consumer a juristic person for whom only part of the NCA applies?\n5. **Separate regulatory questions:** Does the provider need registration, and do debt-review, reckless-credit, disclosure, fee, enforcement or remedy provisions apply?\n\nA transaction can fail at any earlier gateway regardless of its amount. For example, an agreement with a juristic consumer can be wholly outside the NCA because the consumer’s combined asset value or turnover is at least the statutory threshold; a below-threshold juristic consumer’s **large agreement** can also be excluded; and a deferred payment is not necessarily credit if no legally relevant charge, fee or interest is payable. [DTIC+4](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf)\n\nThe monetary instruments established in this pass are:\n\n- **R1,000,000** — juristic-person asset-value or annual-turnover threshold under §7(1)(a);\n- **R15,000** — lower agreement-category threshold under §7(1)(b);\n- **R250,000** — higher agreement-category threshold under §7(1)(b).\n\nThey appear in Ministerial Notice 713 of 2006. Section 2(4) says a threshold continues until a successor takes effect. A November 2024 NCR presentation continued to use R1 million and R250,000, but did not independently restate the R15,000 lower threshold. The figures are therefore treated as the last gazetted thresholds established in this research, with the lower-threshold supersession chain still expressly held. [South African Government+3](https://www.gov.za/sites/default/files/gcis_document/201409/28893.pdf)\n\n# G1. Current NCA scope and definitions\n\n## G1.1 Source edition, amendment and commencement\n\nThe original NCA was enacted in March 2006. Chapter 1, including §§1–11, commenced on **1 June 2006**. The government’s official legislative record identifies the staged commencement dates and Gazette 28824 of 11 May 2006. [South African Government+1](https://www.gov.za/sites/default/files/gcis_document/201409/a34-050_1.pdf)\n\nThe 2014 amendment changed the definitions of **mortgage** and **mortgage agreement**. The current enacted definition of a mortgage agreement requires registration of a mortgage bond by the Registrar of Deeds over immovable property. Act 19 of 2014 commenced under Proclamation R.10 of 2015 on **13 March 2015**. [South African Government+1](https://www.gov.za/sites/default/files/gcis_document/201409/37665gon389.pdf)\n\nThe dtic-hosted compilation used for integrated reading identifies amendments, but it also displays 2019 debt-intervention provisions as pending. It is therefore a useful dated consolidation rather than a certified October 2026 consolidation. Nothing in this pass treats the held 2019 module as operative. [DTIC](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf?utm_source=chatgpt.com)\n\n## G1.2 “Consumer,” natural persons and juristic persons\n\nThe NCA defines the consumer by role under the particular agreement. Depending on the category, the consumer may be:\n\n- the party receiving goods or services under a discount, incidental-credit or instalment agreement;\n- the person advanced money under a pawn transaction;\n- the party to whom credit is extended under a facility;\n- a mortgagor;\n- a borrower under a secured loan;\n- a lessee;\n- a guarantor; or\n- the party to whom credit is otherwise advanced. [Justice+2](https://www.justice.gov.za/mc/vnbp/act2005-034.pdf)\n\nA **juristic person** includes a partnership, association or other corporate or unincorporated body, and certain trusts—specifically a trust with at least three individual trustees or with a juristic person as trustee. A stokvel is excluded from the juristic-person definition. The actual trust deed and trustee configuration therefore matter. [DTIC+1](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf)\n\nA natural person does not become a juristic person merely because credit was used for a business. A sole proprietor borrowing in their own legal capacity remains a natural person for this classification, subject to the actual contracting parties and all other exclusions. Business purpose can be material elsewhere, but it is not itself a juristic-person conversion rule.\n\n## G1.3 Territorial nexus\n\nSection 4 generally applies to an arm’s-length credit agreement:\n\n- made within South Africa; or\n- having effect within South Africa,\n\nsubject to the section’s listed exclusions. [Justice+1](https://www.justice.gov.za/mc/vnbp/act2005-034.pdf)\n\nThe NCA can apply even if the credit provider is outside South Africa. Once the NCA applies to an agreement, it continues to apply even if a party later ceases residing or having its principal office in South Africa, and it applies to acts and omissions under that agreement occurring outside South Africa. [DTIC+1](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf)\n\nA separate exclusion exists for an agreement with a foreign credit provider where the Minister has approved the agreement on the consumer’s application in the prescribed manner. That is a fact- and instrument-specific approval route, not a general foreign-provider exemption. [DTIC](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf)\n\n## G1.4 State, organs of state, the Reserve Bank and public providers\n\nThe NCA excludes an agreement where the **consumer** is:\n\n- the State; or\n- an organ of state.\n\nIt also excludes an agreement where the credit provider is the **South African Reserve Bank**. [DTIC](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf)\n\nDifferent treatment applies when the State, an organ of state, a State-controlled entity or the Land and Agricultural Development Bank acts as **credit provider**. Section 4(3) preserves NCA application in the stated provider-side circumstances. The actor’s side of the agreement therefore matters; “government-related” is not a single blanket exclusion. [DTIC](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf)\n\n## G1.5 Arm’s-length requirement\n\nThe NCA applies only to credit agreements made at arm’s length. Section 4(2)(b) gives non-exhaustive examples of arrangements that are not at arm’s length:\n\n- a shareholder loan by a person controlling a juristic consumer;\n- credit from a juristic provider to a person who controls it;\n- a family relationship where the parties are co-dependent or one depends on the other; and\n- another arrangement in which the parties are not independent and do not necessarily strive for the utmost possible advantage, or which the law otherwise recognises as not arm’s length. [DTIC](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf)\n\nThe shareholder example is not a general exclusion for every loan between a company and any shareholder. Control, direction of credit and party roles matter. Likewise, family status alone is not enough where the statutory dependence relationship is absent.\n\nNo blanket employment-loan exception was established. An employer–employee arrangement still requires an arm’s-length and §8 analysis; dependence, terms, charges and the actual legal relationship can be material.\n\n## G1.6 Juristic-person threshold\n\nA credit agreement is outside the NCA where the consumer is a juristic person whose:\n\n- asset value; **or**\n- annual turnover,\n\ntogether with the combined asset value or annual turnover of all related juristic persons, **equals or exceeds** the threshold at the time the agreement is made. [DTIC+1](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf)\n\nJuristic persons are related where one controls the other or both are controlled by the same person. [DTIC](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf)\n\nFor this purpose, the value is the figure stated by the juristic person when applying for or entering into the agreement. That does not validate a false or mistaken declaration; it identifies the statutory measurement point. [DTIC](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf)\n\nThe Ministerial threshold is **R1,000,000**. Equality therefore falls on the exclusion side:\n\nR1,000,000 ≥ R1,000,000 → §4(1)(a)(i) exclusion applies, assuming the other predicates are satisfied. [South African Government+1](https://www.gov.za/sites/default/files/gcis_document/201409/28893.pdf)\n\n## G1.7 Large agreements with below-threshold juristic consumers\n\nEven when a juristic consumer is below R1 million, the NCA does not apply to a **large agreement** with that juristic consumer. A mortgage agreement is large regardless of amount; another qualifying credit transaction is large where principal debt is at or above the higher threshold. [DTIC+2](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf)\n\nThis exclusion concerns juristic consumers. A large agreement with a natural-person consumer is not excluded merely because it is large.\n\n## G1.8 Limited application where a juristic consumer remains covered\n\nWhere an agreement with a juristic consumer is not excluded by §4, the NCA can still apply only partially. Section 6 excludes:\n\n- Chapter 4, Parts C and D;\n- §89(2)(b);\n- §90(2)(o); and\n- Chapter 5, Part C.\n\nBecause Chapter 4 Part D contains over-indebtedness and debt review, an eligible juristic-person credit agreement is not thereby admitted to the individual statutory debt-review regime. Other NCA provisions can remain applicable. [DTIC+1](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf)\n\n## G1.9 Incidental credit has limited, not absent, NCA coverage\n\nOnly the following NCA provisions apply to incidental credit:\n\n- Chapters 1, 2, 7, 8 and 9;\n- Chapter 3, §§54 and 59;\n- Chapter 4, Parts A and B;\n- Chapter 4, Part D, except reckless-credit provisions;\n- Chapter 5, Part C, subject to §5(3)(a);\n- Chapter 5, Parts D and E after the agreement is deemed made under §5(2); and\n- Chapter 6, Parts A and C. [DTIC+1](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf)\n\nThe incidental-credit agreement is deemed made 20 business days after:\n\n- the supplier first charges a late-payment fee or interest; or\n- the higher pre-determined settlement price first becomes applicable,\n\nunless the lower settlement value was paid before then. [DTIC+1](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf)\n\nA statement that incidental credit is “outside the NCA” would therefore be incorrect. It is subject to a specifically limited statutory package.\n\n## G1.10 Cheques, third-party cards and continuous services\n\nA dishonoured cheque or a third-party card charge rejected after the seller accepted it as full payment does not, by itself, create an NCA credit agreement between seller and buyer. [DTIC](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf)\n\nA merchant does not become the consumer’s credit provider merely because the consumer pays through a third-party credit facility. The card issuer’s facility and the merchant’s sale are separate relationships. [DTIC](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf)\n\nA utility or continuous-service agreement is not a credit facility merely because the supplier bills periodically, where no §103 charge is imposed unless the consumer remains unpaid for at least 30 days after delivery of the statement. The overdue amount then becomes incidental credit to the extent stated in §5. [DTIC](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf)\n\n## G1.11 Classification is not provider permission\n\nFinding that an agreement is an NCA credit agreement does not, by itself, establish:\n\n- that the provider is registered or exempt from registration;\n- that the agreement is valid or enforceable;\n- that statutory debt review is available;\n- that the credit was not reckless;\n- that fees or interest were lawfully calculated; or\n- that collection or enforcement steps were lawful.\n\nThose are separate modules. Conversely, an agreement being outside the NCA does not automatically make it valid, lawful or enforceable under contract, company, consumer, professional or common law.\n\n# G2. Credit categories and monetary gateways\n\n## G2.1 Core agreement categories\n\n| Category | Statutory elements | Important adverse branch |\n| --- | --- | --- |\n| **Credit facility** | Provider undertakes to supply goods/services or pay amounts chosen by the consumer from time to time; payment or repayment is deferred or periodically billed; and a charge, fee or interest is payable on deferred or unpaid amounts. | A normal periodic account with no charge for at least 30 days may instead fall under the continuous-service/incidental-credit rule. |\n| **Pawn transaction** | Statutory credit transaction involving pledged property under the Act’s definition. | Always categorised as small under §9, regardless of amount. |\n| **Discount transaction** | Goods/services supplied over time with more than one price, where a lower price applies if paid by a date and a higher price applies later or periodically. | Mere discounting without the statutory payment structure may not qualify. |\n| **Incidental credit** | An account for goods/services where late interest/fees are payable, or where a lower timely-settlement price and higher later price apply. | Limited NCA application under §5, not full ordinary-credit coverage. |\n| **Instalment agreement** | Sale of movable property; price deferred in periodic payments; possession/use transferred; ownership passes later or immediately subject to repossession rights; and interest, fees or charges are payable. | Periodic payments alone are insufficient; movable property, ownership/recovery and charge elements matter. |\n| **Mortgage agreement** | Credit agreement secured by registration of a mortgage bond over immovable property by the Registrar of Deeds. | Always a large agreement; not synonymous with every secured loan. |\n| **Secured loan** | Not an instalment agreement; provider advances money or credit and retains or receives a pledge or cession of title to movable property or another thing of value as security. | A registered mortgage bond over immovable property is the mortgage branch, not merely a generic secured loan. |\n| **NCA-defined lease** | Temporary possession or use of movable property; periodic or deferred payment; interest, fees or charges; and ownership passes at the end absolutely or conditionally. | Ordinary residential rent and many common-law movable rentals do not meet this definition. |\n| **Other credit transaction** | Payment of an amount owed is deferred and a charge, fee or interest is payable in respect of the agreement or deferred amount. | Deferral alone is insufficient. |\n| **Credit guarantee** | A person promises on demand to satisfy another consumer’s obligation under an NCA-covered facility or transaction. | It is accessory to the underlying agreement’s NCA coverage. |\n\n## G2.2 Express exclusions from “credit agreement”\n\nSection 8(2) excludes:\n\n- an insurance policy;\n- credit extended by an insurer solely to maintain payment of insurance premiums;\n- a lease of immovable property; and\n- a transaction between a stokvel and its member in accordance with the stokvel’s rules. [DTIC+1](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf)\n\nThese are agreement-type exclusions. They are distinct from the party/status exclusions in §4.\n\n## G2.3 Deferral alone is not necessarily credit\n\nIn *Asmal v Essa*, the Supreme Court of Appeal held that the relevant facility and “other credit transaction” provisions require a charge, fee or interest. Indeterminate profit shares that were not quantified and might never become payable did not satisfy that requirement; the loans were not NCA credit agreements where no qualifying charges attached. [Supreme Court of Appeal+2](https://www.supremecourtofappeal.org.za/index.php/component/jdownloads/send/29-judgments-2014/2527-asmal-v-essa-38-2013-2013-zasca-62-14-may-2014?Itemid=0)\n\nIn *Nel v Cilliers*, the Supreme Court of Appeal held that deferral of a R30 million share-sale amount did not create an §8(4)(f) credit agreement because no charge, fee or interest was payable on the purchase price. [Supreme Court of Appeal+1](https://www.supremecourtofappeal.org.za/index.php/component/jdownloads/send/94-judgements-2024/4217-nel-others-v-cilliers-197-2023-2024-zasca-57-19-april-2024?Itemid=0)\n\nThese decisions do not establish that every interest-free arrangement is outside the NCA. Named categories such as a discount transaction or incidental credit may have their own statutory tests. The complete agreement must still be classified.\n\n## G2.4 Periodic payment is not automatically deferral\n\nIn *ABSA Technology Finance Solutions v Michael’s Bid a House*, the Supreme Court of Appeal held that monthly rent payable in advance was not a deferral of an existing payment obligation. The agreement was a common-law rental, not the NCA-defined lease, and there was no qualifying fee, charge or interest under §8(4)(f). [Supreme Court of Appeal+3](https://www.supremecourtofappeal.org.za/index.php/component/jdownloads/send/28-judgments-2013/2371-absa-technology-v-michael-s-bid-a-house-212-12-2013-zasca-10-15-march-2012?Itemid=0)\n\nA payment schedule therefore does not automatically make an agreement credit. The payment must actually be deferred from a time when it was otherwise owed, and the relevant statutory charge element must be present where required.\n\n## G2.5 Threshold instrument and continuing status\n\nNotice 713 of 2006 sets:\n\n| Threshold | Amount |\n| --- | --- |\n| Juristic consumer asset value or annual turnover | **R1,000,000** |\n| Lower agreement-category threshold | **R15,000** |\n| Higher agreement-category threshold | **R250,000** |\n\nThe notice is on zero-based PDF page 0, printed Gazette page 3. [South African Government](https://www.gov.za/sites/default/files/gcis_document/201409/28893.pdf)\n\nSection 2(4) says a threshold continues in effect until a subsequent threshold takes effect. Section 7(3) says a subsequent threshold takes effect six months after publication in the Gazette. [DTIC+2](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf)\n\nA November 2024 NCR presentation continued to state the R1 million juristic threshold and the R250,000 higher threshold. It discussed proposals for change, not a replacement Gazette notice. [DTIC+1](https://www.thedtic.gov.za/wp-content/uploads/NCR-PC-Trade-SC-Finance.pdf)\n\n**Currentness qualification:** No later official threshold instrument was established in the bounded search. That is not proof that none exists. P13 treats Notice 713 as the last operative instrument established, while retaining an explicit full-supersession hold—especially for the lower R15,000 threshold, which the 2024 presentation did not separately restate.\n\n## G2.6 Small, intermediate and large agreements\n\n### Small\n\nA credit agreement is small if it is:\n\n- any pawn transaction;\n- a credit facility with a credit limit **at or below R15,000**; or\n- another credit transaction, excluding a mortgage agreement or guarantee, with principal debt **at or below R15,000**. [DTIC](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf)\n\n### Intermediate\n\nA credit agreement is intermediate if it is:\n\n- a credit facility with credit limit **above R15,000**; or\n- another credit transaction, excluding pawn, mortgage and guarantee, whose principal debt falls **between R15,000 and R250,000**. [DTIC](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf)\n\nThe natural reading of “between,” when read with the express equality rules in the small and large categories, is:\n\nR15,000 < principal debt < R250,000.\n\n### Large\n\nA credit agreement is large if it is:\n\n- a mortgage agreement, regardless of principal amount; or\n- another credit transaction, excluding pawn and guarantee, with principal debt **at or above R250,000**. [DTIC](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf)\n\n### Credit facilities above R250,000\n\nThe literal §9 structure places a facility with a limit above the lower threshold in the intermediate category. The large-agreement limb applies to mortgage agreements and “other credit transactions,” not facilities. P13 does not rewrite that text merely because the facility limit exceeds R250,000.\n\n### Credit guarantees\n\nAlthough §9(1) says every credit agreement is characterised as small, intermediate or large, each amount-based limb excludes credit guarantees. P13 therefore does not invent an independent guarantee category based on the guaranteed amount. Its primary classification follows §§4(2)(c) and 8(5), and the underlying facility or transaction. [DTIC+2](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf)\n\n## G2.7 Principal debt versus total cost\n\nFor an ordinary transaction, the monetary category is based on **principal debt**, not the total amount that might ultimately be paid.\n\nSection 101(1)(a) describes principal debt as:\n\n- the amount deferred under the agreement; plus\n- any item permitted to be included under §102.\n\nInitiation fees, service fees, interest, insurance, default-administration charges and collection costs appear as separate cost-of-credit categories, although certain §102 items can be capitalised into principal debt for specified agreements. [DTIC+3](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf)\n\nFor a credit facility, §7(2) says the relevant principal debt is the **credit limit**, not the balance currently drawn. [DTIC+1](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf)\n\n## G2.8 Mortgage and secured-loan distinction\n\nA mortgage agreement requires a registered mortgage bond over immovable property. [South African Government](https://www.gov.za/sites/default/files/gcis_document/201409/37665gon389.pdf)\n\nA secured loan concerns a pledge or cession of title to movable property or another thing of value, and excludes an instalment agreement. It is therefore wrong to classify every collateralised loan as a mortgage. [DTIC+1](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf)\n\n## G2.9 Guarantee follows the underlying agreement\n\nSection 4(2)(c) applies the NCA to a guarantee only to the extent that the Act applies to the underlying facility or transaction. Section 8(5) likewise defines a credit guarantee by reference to another consumer’s NCA-covered obligation. [DTIC+1](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf)\n\nIn *Da Silva v Slip Knot Investments*, the SCA held that guarantees supporting large juristic-person mortgage/secured loans outside the NCA were themselves outside the NCA. The appeal was dismissed. [Supreme Court of Appeal+2](https://www.supremecourtofappeal.org.za/index.php/component/jdownloads/send/23-judgments-2010/1459-da-silva-v-slip-knot-investments-661-2009-2010-zasca-174-2-december-2010?Itemid=0)\n\nA natural-person guarantor does not independently pull an excluded corporate underlying agreement into the NCA merely because the guarantor is natural.\n\n# G3. Bounded official precedent register and classification implications\n\n| Authority | Procedural posture and issue | Holding used in P13 | Limit |\n| --- | --- | --- | --- |\n| **Asmal v Essa** [2014] ZASCA 62 | Appeal concerning whether loans and alleged profit shares constituted NCA credit agreements | A qualifying charge, fee or interest must be ascertainable under the agreement; indeterminate profit shares did not qualify, and loans without attached charges were not credit agreements | Does not decide every interest-free named category or every profit-linked agreement |\n| **Nel v Cilliers** [2024] ZASCA 57 | Appeal concerning deferred share-sale consideration | Deferral of R30 million without a charge, fee or interest did not satisfy §8(4)(f) | Agreement-specific; does not negate incidental/discount categories |\n| **ABSA Technology Finance Solutions v Michael’s Bid a House** [2013] ZASCA 10 | Appeal over equipment rental classification | Monthly rent due in advance was not deferred; common-law rental was not the NCA-defined lease and did not satisfy §8(4)(f) | Actual written terms control; simulation or fraud can alter analysis if properly pleaded and proved |\n| **Da Silva v Slip Knot Investments** [2010] ZASCA 174 | Appeal by natural-person sureties under settlement/guarantee arrangements | Underlying large juristic mortgage/secured loans were excluded, so accessory guarantees were excluded under §§4(2)(c) and 8(5) | Does not decide an independent indemnity or a genuinely novated principal obligation |\n\nThese are generic published merits authorities. P13 did not conduct a full current citator, identify later treatment of every proposition, or search any private docket.\n\n# G4. Twelve fictional classification workflows\n\nEach example is fictional. No actual borrower, provider, company, debt, property or agreement is being classified.\n\n## Workflow 1 — Immediate cash sale\n\n**Assumed facts**\n\n- Natural-person buyer.\n- Goods cost R8,000.\n- Entire price paid immediately.\n- No deferred amount, later price, fee or interest.\n- Parties are independent.\n\n**Classification:** Ordinary cash sale, not a credit facility or transaction. There is no deferral or promise to advance credit. **C_ZA-P13-C023, C039, C041.**\n\n**Adverse branch:** A dishonoured cheque accepted as full payment does not by itself transform the sale into an NCA agreement. **C027.**\n\n**Missing facts:** None material to the fictional classification; any separate fraud or collection issue is outside scope.\n\n## Workflow 2 — Interest-bearing store card\n\n**Assumed facts**\n\n- Natural-person consumer can draw amounts from time to time.\n- Provider bills monthly.\n- Unpaid balances attract interest.\n- Credit limit: R12,000.\n- Arm’s-length South African agreement.\n\n**Classification:** Credit facility under §8(3).\n\n**Category arithmetic**\n\nR12,000 ≤ R15,000 lower threshold → small agreement.\n\n**Adverse branch:** If the merchant merely accepts a third-party bank card, the merchant is not the credit provider solely because of that payment. The bank facility must be analysed separately. **C023, C027, C046, C053.**\n\n## Workflow 3 — Overdraft above the lower threshold\n\n**Assumed facts**\n\n- Natural-person bank customer.\n- Overdraft limit: R100,000.\n- Amounts are available from time to time.\n- Interest applies to amounts used.\n\n**Classification:** Credit facility.\n\n**Category arithmetic**\n\nR100,000 > R15,000 → intermediate agreement.\n\nThe R250,000 higher threshold does not convert a facility into a large agreement under the literal §9 categories.\n\n**Adverse branch:** A temporary unauthorised negative balance may involve different agreement and facility facts.\n\n**Missing facts:** Facility contract, authorised limit and charge terms. **C023, C047, C050.**\n\n## Workflow 4 — Ordinary unsecured term loan with interest\n\n**Assumed facts**\n\n- Natural-person borrower receives R80,000.\n- Repayment deferred for 24 months.\n- Interest is payable.\n- No movable pledge or mortgage bond.\n\n**Classification:** “Other credit transaction” under §8(4)(f), assuming the agreement is arm’s length and no exclusion applies.\n\n**Category arithmetic**\n\nR15,000 < R80,000 < R250,000 → intermediate agreement.\n\n**Adverse branch:** If no charge, fee or interest is payable, simple deferral may not satisfy §8(4)(f), as illustrated by *Asmal* and *Nel*. **C039, C040, C047, C057–C058.**\n\n## Workflow 5 — Movable-goods instalment agreement\n\n**Assumed facts**\n\n- Consumer buys equipment.\n- Cash price deferred in 36 periodic payments.\n- Consumer takes possession immediately.\n- Ownership passes after final payment.\n- Interest is charged.\n- Principal debt: R120,000.\n\n**Classification:** Instalment agreement because the property is movable, payment is deferred periodically, possession transfers, ownership transfers later and charges apply.\n\n**Category**\n\nR15,000 < R120,000 < R250,000 → intermediate.\n\n**Adverse branch:** If ownership never passes, the arrangement may instead be a common-law rental or another category. **C035, C047, C059.**\n\n## Workflow 6 — Periodic movable-property payments with no charge\n\n**Assumed facts**\n\n- Movable item delivered.\n- Price paid in equal monthly instalments.\n- No interest, fee, higher later price or other charge.\n- Ownership passes after final payment.\n\n**Classification:** The arrangement does not satisfy the NCA’s defined instalment-agreement charge element. It also does not satisfy §8(4)(f) merely from deferral, because that limb requires a charge, fee or interest.\n\n**Adverse branch:** If the agreement has a lower timely-settlement price and a higher later price, it might be a discount transaction. A hidden or separately stated fee could also change the result. **C035, C039–C040, C057–C058.**\n\n**Missing facts:** Complete price terms and any repossession or finance charge.\n\n## Workflow 7 — Medical or municipal service arrears\n\n**Assumed facts A — medical account**\n\n- Service supplied and invoiced at R4,000.\n- No fee or interest if paid on time.\n- A disclosed late charge applies after default.\n\n**Classification:** Potential incidental credit, subject to the definition and §5 timing.\n\n**Assumed facts B — utility statement**\n\n- Supplier bills periodically.\n- No §103 charge applies unless the account remains unpaid for at least 30 days after statement delivery.\n\n**Classification:** Not a credit facility merely because of billing; the overdue amount becomes incidental credit under §4(6)(b).\n\n**Adverse branch:** An unpaid invoice with no late fee, interest or dual-price arrangement may not meet the incidental-credit definition merely because it remains unpaid. **C028–C030.**\n\n**Missing facts:** Original disclosures, statement delivery, late-charge date and amount.\n\n## Workflow 8 — Residential rent versus NCA-defined lease\n\n**Assumed facts A**\n\n- Apartment rented monthly.\n- Tenant never obtains ownership.\n- Rent due monthly in advance.\n\n**Classification:** Lease of immovable property, expressly excluded by §8(2)(b).\n\n**Assumed facts B**\n\n- Machine rented monthly.\n- Ownership does not pass.\n- Payments are due in advance.\n- No fee, charge or interest for deferral.\n\n**Classification:** Likely common-law movable rental, not the NCA-defined lease and not §8(4)(f), consistent with *ABSA Technology*.\n\n**Adverse branch:** A movable-property arrangement under which ownership passes at the end and finance charges apply may satisfy the NCA lease definition. **C025, C038–C040, C059.**\n\n## Workflow 9 — Natural-person surety for excluded corporate loan\n\n**Assumed facts**\n\n- Corporate borrower is below R1 million threshold.\n- Underlying principal debt is R600,000.\n- Agreement is a secured loan or mortgage.\n- Natural person signs a suretyship.\n\n**Underlying agreement**\n\nR600,000 ≥ R250,000 → large agreement.\n\nBecause the consumer is juristic, §4(1)(b) excludes the underlying large agreement.\n\n**Guarantee**\n\nThe NCA follows the underlying agreement; the natural-person surety does not independently create coverage.\n\n**Adverse branch:** If the later agreement is genuinely a new principal obligation rather than an accessory guarantee, it requires fresh classification. **C013, C022, C048–C049, C056, C060.**\n\n## Workflow 10 — Below-threshold corporate consumer, non-large agreement\n\n**Assumed facts**\n\n- Juristic consumer’s stated asset value: R600,000.\n- Annual turnover: R800,000.\n- No related juristic persons.\n- Unsecured term loan principal: R100,000.\n- Arm’s-length transaction with interest.\n\n**Party threshold**\n\nBoth measures are below R1 million.\n\n**Agreement category**\n\nR15,000 < R100,000 < R250,000 → intermediate.\n\n**Classification:** NCA can apply, but §6 removes specified provisions, including Chapter 4 Parts C and D and Chapter 5 Part C.\n\n**Adverse branch:** If related entities push combined asset value or turnover to R1 million, the whole agreement is excluded under §4(1)(a)(i). **C009–C14, C031–C032, C047.**\n\n## Workflow 11 — Corporate consumer exactly at R1 million\n\n**Assumed facts**\n\n- Juristic consumer’s annual turnover stated at agreement date: **R1,000,000**.\n- Asset value is lower.\n- Agreement principal: R10,000.\n- Otherwise arm’s length.\n\n**Threshold arithmetic**\n\nR1,000,000 = R1,000,000 threshold.\n\nBecause the statutory language is **equals or exceeds**, the agreement is excluded under §4(1)(a)(i), regardless of the small principal amount.\n\n**Adverse branch:** If the correct stated turnover were R999,999 and no related persons existed, the threshold exclusion would not apply; the agreement and limited-application rules would still require classification. **C009–C012, C055.**\n\n## Workflow 12 — Principal below higher threshold, total payments above it\n\n**Assumed facts**\n\n- Natural-person borrower.\n- Amount deferred: R240,000.\n- No §102 item is capitalised into principal.\n- Separately payable initiation fee: R5,000.\n- Expected interest over term: R40,000.\n- Total expected payments: R285,000.\n\n**Principal calculation**\n\nPrincipal debt = R240,000.\n\nR15,000 < R240,000 < R250,000 → intermediate agreement.\n\nThe separate fee and expected interest do not, on these stipulated facts, turn principal into R285,000.\n\n**Adverse branch:** If a permitted §102 item is validly included in principal and takes principal to R250,000, the large-agreement boundary is reached. **C047, C051–C054.**\n\n## Workflow 13 — Small mortgage\n\n**Assumed facts**\n\n- Registered mortgage bond over immovable property.\n- Principal debt: R50,000.\n- Natural-person mortgagor.\n\n**Classification:** Mortgage agreement and therefore a **large agreement regardless of amount**.\n\nR50,000 < R250,000, but the mortgage-specific rule controls.\n\n**Adverse branch:** If there is no registered mortgage bond and only movable collateral is pledged, the arrangement may be a secured loan rather than a mortgage. **C036–C037, C049.**\n\n# Four reproducible threshold-boundary calculations\n\n## Example A — juristic threshold equality\n\n**Inputs**\n\n- Juristic consumer annual turnover: R1,000,000\n- Related-person amount: R0\n- Threshold: R1,000,000\n\n**Calculation**\n\nR1,000,000 + R0 = R1,000,000\n\nR1,000,000 ≥ R1,000,000\n\n**Result:** §4(1)(a)(i) exclusion is triggered, subject to the accuracy and relevance of the input at the agreement date.\n\n**Alternative**\n\nR999,999 + R0 < R1,000,000\n\nThe threshold exclusion is not triggered, but a large agreement may still be excluded. [DTIC+1](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf)\n\n## Example B — lower boundary for a facility\n\n**Inputs**\n\n- Facility limit A: R15,000\n- Facility limit B: R15,000.01\n- Lower threshold: R15,000\n\n**Calculations**\n\nR15,000 ≤ R15,000 → small\n\nR15,000.01 > R15,000 → intermediate\n\nNo rounding rule was established. The one-cent variation is used only to show the statutory equality boundary. [South African Government+1](https://www.gov.za/sites/default/files/gcis_document/201409/28893.pdf)\n\n## Example C — upper boundary for an ordinary credit transaction\n\n**Inputs**\n\n- Principal A: R249,999.99\n- Principal B: R250,000\n- Higher threshold: R250,000\n- Agreement is not pawn, mortgage or guarantee.\n\n**Calculations**\n\nR15,000 < R249,999.99 < R250,000 → intermediate\n\nR250,000 ≥ R250,000 → large\n\nNo interest or separately payable service fee is added to principal unless the NCA’s principal-debt rules permit it. [South African Government+2](https://www.gov.za/sites/default/files/gcis_document/201409/28893.pdf)\n\n## Example D — amount deferred versus total cost\n\n**Inputs**\n\n- Amount deferred: R240,000\n- Separately payable fee: R5,000\n- Expected interest: R40,000\n- No §102 item capitalised\n- Higher threshold: R250,000\n\n**Calculation**\n\nPrincipal debt = R240,000\n\nTotal expected payments = R240,000 + R5,000 + R40,000 = R285,000\n\nR240,000 < R250,000 → intermediate, not large\n\n**Alternative**\n\nIf R10,000 in qualifying §102 items were validly included:\n\nPrincipal debt = R240,000 + R10,000 = R250,000\n\nR250,000 ≥ R250,000 → large. [DTIC+2](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf)\n\n## Example E — mortgage overrides amount\n\n**Inputs**\n\n- Principal debt: R50,000\n- Registered mortgage bond: yes\n\n**Calculation**\n\nMortgage agreement → large agreement\n\nNo comparison to R250,000 changes that category. [South African Government+1](https://www.gov.za/sites/default/files/gcis_document/201409/37665gon389.pdf)\n\n# G5. Reviewed P05 D11 disposition\n\n| Reviewed row | Original wording | P13 result | Status |\n| --- | --- | --- | --- |\n| **P05 D11 — Full product/debt-type coverage** | “Separate NCA agreement/debt classification work.” | National NCA applicability, party exclusions, arm’s-length rules, juristic thresholds, incidental-credit limits, core §8 categories, §9 monetary categories and bounded published merits authorities are now researched. | **Partial substantive completion.** Actual agreements, complete current threshold supersession, registration, validity, debt review, enforcement and remedies remain open. |\n| P06 PDA | Saved, unreviewed | No client-money or PDA conclusion used. | Held |\n| P10 enforcement | Saved, unreviewed | No complaint, sanction or fine result used. | Held |\n| P12 prescription | Saved, unreviewed | No prescription conclusion used. | Held |\n| P02/P03 2019 amendment | Commencement/implementation held | No debt-intervention provision used. | Held |\n| Country/A066/A097/A098 | Unaccepted | P13 is a national classification gateway only. | Held |\n\n# Full source register — C_ZA-P13-S001 onward\n\nAll fresh accesses occurred on **26 October 2026 PDT / 27 October 2026 UTC**. Exact source-specific clock times are unknown.\n\n| Source ID | Issuer, title and complete literal HTTPS URL | Exact material read and locator | Status, commencement and limits |\n| --- | --- | --- | --- |\n| **C_ZA-P13-S001** | Presidency/Parliament, *National Credit Act 34 of 2005*, GG28619, 15 March 2006. https://www.gov.za/sites/default/files/gcis_document/201409/a34-050_1.pdf | Definitions: zero P8–P13 / printed GG pp16–26; §2: P14 / p28; §4: P16–P17 / pp32–34; §5: P18 / p36; §§6–8: P19–P20 / pp38–40; §§9–10: P20–P21 / pp40–42. | **Fresh original enacted body and relevant page images read.** Original wording does not contain every later amendment, notably the 2014 mortgage definitions. [South African Government+4](https://www.gov.za/sites/default/files/gcis_document/201409/a34-050_1.pdf) |\n| **S002** | dtic, *National Credit Act 34 of 2005* dated amended compilation. https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf | Definitions zero P7–P11; §2 P13; §§4–5 P14–P16; §§6–9 P16–P17; §101 P71. No reliable original Gazette printed-page mapping for compilation. | **Fresh integrated body and relevant images read.** Displays pending 2019 provisions and is not certified as a complete October 2026 consolidation. [DTIC+4](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf) |\n| **S003** | South African Government, *National Credit Act 34 of 2005* legislative record. https://www.gov.za/documents/national-credit-act | HTML commencement entries and amendment metadata; PDF index not applicable. | **Fresh official metadata read.** Confirms §§1–11 commenced 1 June 2006 and identifies later amendment Acts. Not a substitute for section text. [South African Government](https://www.gov.za/documents/national-credit-act) |\n| **S004** | 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 | Mortgage and mortgage-agreement substitutions, zero P1 / printed GG p2; linked definitions surrounding clause 1. | **Fresh enacted body and page image read.** Commencement established separately by S005. [South African Government+1](https://www.gov.za/sites/default/files/gcis_document/201409/37665gon389.pdf) |\n| **S005** | President, *Commencement of the National Credit Amendment Act 19 of 2014*, Proclamation R.10 of 2015, GG38557. https://www.gov.za/sites/default/files/gcis_document/201503/38557reg10382pro10.pdf | Entire proclamation, zero P0 / printed GG p3. | **Precisely attributable prior primary source and operative commencement body.** Commenced Act 19/2014 on 13 March 2015. Not the 2019 amendment proclamation. |\n| **S006** | Minister of Trade and Industry, *Determination of Thresholds*, Notice 713, GG28893, 1 June 2006. https://www.gov.za/sites/default/files/gcis_document/201409/28893.pdf | Entire notice: zero P0 / printed GG p3. | **Fresh final gazetted threshold body and image read.** Establishes R1m/R15k/R250k figures. Later supersession not exhaustively excluded. [South African Government](https://www.gov.za/sites/default/files/gcis_document/201409/28893.pdf) |\n| **S007** | National Credit Regulator/dtic, *Application of the National Credit Act 34 of 2005*, presentation to parliamentary committees, 22 November 2024. https://www.thedtic.gov.za/wp-content/uploads/NCR-PC-Trade-SC-Finance.pdf | Threshold slides: zero P6–P7 / presentation slides 7–8. | **Fresh official regulator presentation and images read.** Corroborates R1m and R250k use in 2024 and describes proposed reform. Guidance/presentation, not a threshold Gazette. [DTIC+1](https://www.thedtic.gov.za/wp-content/uploads/NCR-PC-Trade-SC-Finance.pdf) |\n| **S008** | Supreme Court of Appeal, *Nel and Others v Cilliers* (197/2023) [2024] ZASCA 57. https://www.supremecourtofappeal.org.za/index.php/component/jdownloads/send/94-judgements-2024/4217-nel-others-v-cilliers-197-2023-2024-zasca-57-19-april-2024?Itemid=0 | Paragraphs 29–31, zero P11–P12 / internal pp12–13. | **Fresh official final judgment and page images read.** Used narrowly for deferral plus charge/fee/interest. No complete later-citator review. [Supreme Court of Appeal+1](https://www.supremecourtofappeal.org.za/index.php/component/jdownloads/send/94-judgements-2024/4217-nel-others-v-cilliers-197-2023-2024-zasca-57-19-april-2024?Itemid=0) |\n| **S009** | Supreme Court of Appeal, *Asmal v Essa* (38/2013) [2014] ZASCA 62. https://www.supremecourtofappeal.org.za/index.php/component/jdownloads/send/29-judgments-2014/2527-asmal-v-essa-38-2013-2013-zasca-62-14-may-2014?Itemid=0 | Paragraphs 9–11, zero P7–P9 / internal pp8–10. | **Fresh official final judgment and images read.** Used for charge/fee/interest certainty and non-credit loans. URL title contains a year inconsistency; neutral citation in judgment controls. [Supreme Court of Appeal+2](https://www.supremecourtofappeal.org.za/index.php/component/jdownloads/send/29-judgments-2014/2527-asmal-v-essa-38-2013-2013-zasca-62-14-may-2014?Itemid=0) |\n| **S010** | Supreme Court of Appeal, *ABSA Technology Finance Solutions (Pty) Ltd v Michael’s Bid a House CC* (212/2012) [2013] ZASCA 10. https://www.supremecourtofappeal.org.za/index.php/component/jdownloads/send/28-judgments-2013/2371-absa-technology-v-michael-s-bid-a-house-212-12-2013-zasca-10-15-march-2012?Itemid=0 | Paragraphs 13–28, zero P5–P11 / internal pp6–12. | **Fresh official final judgment and page images read.** Used narrowly for NCA lease and deferral classification. [Supreme Court of Appeal+3](https://www.supremecourtofappeal.org.za/index.php/component/jdownloads/send/28-judgments-2013/2371-absa-technology-v-michael-s-bid-a-house-212-12-2013-zasca-10-15-march-2012?Itemid=0) |\n| **S011** | Supreme Court of Appeal, *Da Silva v Slip Knot Investments 777 (Pty) Ltd* (661/2009) [2010] ZASCA 174. https://www.supremecourtofappeal.org.za/index.php/component/jdownloads/send/23-judgments-2010/1459-da-silva-v-slip-knot-investments-661-2009-2010-zasca-174-2-december-2010?Itemid=0 | Summary and posture zero P0–P1; paragraphs 7–8 zero P4 / internal p5; paragraph 13 zero P7 / internal p8. | **Fresh official final judgment and images read.** Used for large juristic agreement and accessory-guarantee classification. [Supreme Court of Appeal+2](https://www.supremecourtofappeal.org.za/index.php/component/jdownloads/send/23-judgments-2010/1459-da-silva-v-slip-knot-investments-661-2009-2010-zasca-174-2-december-2010?Itemid=0) |\n| **S012** | South African Government, *Notices* catalogue, threshold-related index. https://www.gov.za/nr/documents/notices?order=title&page=1088&sort=asc | HTML title index; no substantive Gazette body or PDF index. | **Fresh discovery/index source only.** Used in bounded successor-threshold searching; not evidence that no later threshold exists. [South African Government](https://www.gov.za/nr/documents/notices?order=title&page=1088&sort=asc&utm_source=chatgpt.com) |\n\n# Complete atomic claim register — C_ZA-P13-C001 onward\n\nAll claims are national and bounded. **A066, A097 and A098 remain unaccepted.**\n\n| Claim ID | Exact proposition, actor and predicate | Primary evidence | Exception or remaining hold |\n| --- | --- | --- | --- |\n| **C_ZA-P13-C001** | NCA §§1–11 commenced on 1 June 2006. | S003 commencement record. [South African Government](https://www.gov.za/documents/national-credit-act) | Full Act had staged commencement. |\n| **C002** | 2014 mortgage definitions commenced 13 March 2015. | S004–S005. | No 2019 assumption. |\n| **C003** | dtic compilation is useful but not certified through Oct 2026 and contains pending 2019 text. | S002. [DTIC](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf?utm_source=chatgpt.com) | Provision-specific originals control where material. |\n| **C004** | NCA generally requires an arm’s-length agreement made in or having effect in South Africa. | S001/S002 §4(1). [DTIC](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf) | Listed exclusions apply. |\n| **C005** | Foreign location of provider does not itself prevent NCA application. | §4(3). [DTIC](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf) | Approved foreign-provider exclusion may apply. |\n| **C006** | Once applicable, NCA continues despite later departure and applies to foreign acts under agreement. | §4(4). [DTIC](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf) | Initial applicability still required. |\n| **C007** | State/organ as consumer and SARB as provider are excluded. | §4(1)(a)(ii)–(iii),(c). [DTIC](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf) | Provider-side public entities differ. |\n| **C008** | State, organ, controlled entity and Land Bank can be covered as providers. | §4(3)(b). [DTIC](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf) | Exact entity/status required. |\n| **C009** | Foreign-provider agreement approved by Minister on consumer application is excluded. | §4(1)(d). | Actual approval required. |\n| **C010** | Juristic threshold uses asset value or turnover plus related persons at agreement date. | §4(1)(a)(i),(2)(a). [DTIC](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf) | Actual statements/private facts unknown. |\n| **C011** | Related juristic persons include control or common-control relationships. | §4(2)(d). | Group facts required. |\n| **C012** | Equality with R1m triggers juristic threshold exclusion. | §4 + Notice713. [South African Government](https://www.gov.za/sites/default/files/gcis_document/201409/28893.pdf) | Other inputs must be accurate. |\n| **C013** | Below-threshold juristic consumer’s large agreement is excluded. | §4(1)(b), §9(4). [DTIC](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf) | Natural-consumer agreements not excluded by this clause. |\n| **C014** | Natural person remains natural despite business purpose. | §1 juristic definition and §4 structure. | Actual contracting party controls. |\n| **C015** | Controlling-shareholder loan to juristic consumer is a non-arm’s-length example. | §4(2)(b)(i). | Not every shareholder loan. |\n| **C016** | Juristic-provider credit to controlling person is a non-arm’s-length example. | §4(2)(b)(ii). | Control must exist. |\n| **C017** | Dependent/co-dependent family arrangement is a non-arm’s-length example. | §4(2)(b)(iii). | Family relationship alone insufficient. |\n| **C018** | Lack of independence/utmost advantage can make agreement non-arm’s-length. | §4(2)(b)(iv). | Contextual legal inquiry. |\n| **C019** | Consumer status depends on role under the agreement. | §1 definitions. [Justice+1](https://www.justice.gov.za/mc/vnbp/act2005-034.pdf) | Labels alone do not settle role. |\n| **C020** | Juristic person includes specified bodies and qualifying trusts; stokvel excluded. | §1. [DTIC](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf) | Trust configuration required. |\n| **C021** | No blanket employment-credit exclusion was established. | §§4,8. | Arm’s-length and category tests remain. |\n| **C022** | Guarantee coverage follows underlying facility or transaction. | §§4(2)(c),8(5). [DTIC](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf) | Independent principal obligation differs. |\n| **C023** | Credit facility requires reusable supply/payment undertaking, deferral/billing and charge/fee/interest. | §8(3). [DTIC](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf) | Continuous-service exception. |\n| **C024** | Credit transaction includes listed named categories and §8(4)(f). | §8(4). [DTIC](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf) | §8(2) exclusions. |\n| **C025** | Insurance-maintenance credit, immovable lease and qualifying stokvel transaction are excluded. | §8(2). [DTIC](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf) | Other contracts not inferred excluded. |\n| **C026** | Dishonoured full-payment cheque/rejected third-party card charge does not itself create credit agreement. | §4(5). [DTIC](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf) | Separate facility may exist. |\n| **C027** | Merchant paid through third-party facility is not thereby credit provider. | §4(6)(a). [DTIC](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf) | Merchant’s own deferred terms may differ. |\n| **C028** | Qualifying periodic utility agreement is not a facility; overdue amount becomes incidental credit. | §4(6)(b). [DTIC](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf) | 30-day and charge predicates. |\n| **C029** | Incidental credit receives only listed NCA provisions. | §5(1). [DTIC](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf) | Not blanket exclusion. |\n| **C030** | Incidental agreement deemed made 20 business days after stated fee/higher-price event. | §5(2). [DTIC](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf) | Earlier payment may prevent event. |\n| **C031** | Covered juristic agreements lose specified Chapter 4/5 protections. | §6. [DTIC](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf) | Other provisions remain. |\n| **C032** | Chapter 4 Part D debt review does not apply to juristic consumer. | §6(a). | Full debt-review module deferred. |\n| **C033** | Facility amount for §7 threshold is credit limit. | §7(2). [DTIC](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf) | Current drawn balance irrelevant to category. |\n| **C034** | Discount transaction requires lower timely price/higher later price structure. | §1/§8(4)(a). | Actual price terms required. |\n| **C035** | Instalment agreement requires movable sale, deferred periodic price, possession, ownership/recovery structure and charges. | §1. [DTIC](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf) | Periodic payment alone insufficient. |\n| **C036** | Mortgage requires registered bond over immovable property. | Act19/2014 definition. [South African Government](https://www.gov.za/sites/default/files/gcis_document/201409/37665gon389.pdf) | Other security not mortgage. |\n| **C037** | Secured loan involves movable/value pledge or title cession and is not instalment agreement. | §1. [DTIC](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf) | Security facts required. |\n| **C038** | NCA lease concerns movable property and ownership passing at end. | §1. [Supreme Court of Appeal](https://www.supremecourtofappeal.org.za/index.php/component/jdownloads/send/28-judgments-2013/2371-absa-technology-v-michael-s-bid-a-house-212-12-2013-zasca-10-15-march-2012?Itemid=0) | Immovable lease excluded. |\n| **C039** | Other transaction requires deferral plus charge, fee or interest. | §8(4)(f). [DTIC](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf) | Deferral alone insufficient. |\n| **C040** | Uncharged deferral may fall outside §8(4)(f). | Asmal; Nel. [Supreme Court of Appeal+1](https://www.supremecourtofappeal.org.za/index.php/component/jdownloads/send/29-judgments-2014/2527-asmal-v-essa-38-2013-2013-zasca-62-14-may-2014?Itemid=0) | Named categories still must be checked. |\n| **C041** | Immediate cash sale is not credit absent deferral/advance. | §§1,8 inference. | Other arrangements may coexist. |\n| **C042** | Notice713 sets R1m, R15k and R250k. | S006. [South African Government](https://www.gov.za/sites/default/files/gcis_document/201409/28893.pdf) | Successor search held. |\n| **C043** | Threshold continues until successor takes effect. | §2(4). [DTIC](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf) | Later instrument could alter. |\n| **C044** | 2024 NCR material still used R1m/R250k. | S007. [DTIC+1](https://www.thedtic.gov.za/wp-content/uploads/NCR-PC-Trade-SC-Finance.pdf) | Presentation not Gazette. |\n| **C045** | R15k is last gazetted lower threshold established, not fully re-certified through 2026. | S006/S012 bounded search. | No nonexistence claim. |\n| **C046** | Pawn always small; facility/other at or below R15k small. | §9(2). [DTIC](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf) | Mortgage/guarantee exclusions. |\n| **C047** | Facility above R15k and ordinary transaction strictly between thresholds are intermediate. | §9(3). [DTIC](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf) | Guarantee excluded from limb. |\n| **C048** | Mortgage always large; ordinary transaction at or above R250k large. | §9(4). [DTIC](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf) | Pawn/guarantee excluded. |\n| **C049** | Mortgage is large regardless amount. | §9(4)(a). | Juristic large exclusion may follow. |\n| **C050** | Literal §9 treats facilities above lower threshold as intermediate. | §9(3)(a). | No invented large-facility category. |\n| **C051** | Principal debt is deferred amount plus qualifying §102 items. | §§1,101(1)(a),102. [DTIC](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf) | Capitalised items fact-specific. |\n| **C052** | Interest and separately payable fees are not automatically principal. | §101 categories. [DTIC](https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf) | §102 can add specified items. |\n| **C053** | R15k equality falls within small category. | §9(2). | Threshold currentness hold. |\n| **C054** | R250k equality falls within large category. | §9(4). | Eligible transaction required. |\n| **C055** | R1m equality falls within juristic exclusion. | §4(1)(a)(i), Notice713. | Related-person aggregation applies. |\n| **C056** | Guarantee has no invented independent amount category; underlying coverage controls. | §§4(2)(c),8(5),9. | Drafting/category issue held. |\n| **C057** | *Asmal* requires qualifying ascertainable credit charge in relevant categories. | S009 paras9–11. [Supreme Court of Appeal+1](https://www.supremecourtofappeal.org.za/index.php/component/jdownloads/send/29-judgments-2014/2527-asmal-v-essa-38-2013-2013-zasca-62-14-may-2014?Itemid=0) | Agreement-specific. |\n| **C058** | *Nel* held R30m deferred sale price without charge was not §8(4)(f) credit. | S008 paras29–31. [Supreme Court of Appeal+1](https://www.supremecourtofappeal.org.za/index.php/component/jdownloads/send/94-judgements-2024/4217-nel-others-v-cilliers-197-2023-2024-zasca-57-19-april-2024?Itemid=0) | Named categories not decided. |\n| **C059** | *ABSA Technology* held common-law rental payable in advance was not NCA lease or §8(4)(f) credit. | S010 paras13–28. [Supreme Court of Appeal+1](https://www.supremecourtofappeal.org.za/index.php/component/jdownloads/send/28-judgments-2013/2371-absa-technology-v-michael-s-bid-a-house-212-12-2013-zasca-10-15-march-2012?Itemid=0) | Actual terms/simulation matter. |\n| **C060** | *Da Silva* applied accessory-guarantee rule to excluded juristic large agreements. | S011 paras7–13. [Supreme Court of Appeal+1](https://www.supremecourtofappeal.org.za/index.php/component/jdownloads/send/23-judgments-2010/1459-da-silva-v-slip-knot-investments-661-2009-2010-zasca-174-2-december-2010?Itemid=0) | Independent novated obligation differs. |\n| **C061** | Classification does not establish provider authorisation. | Statutory-domain boundary. | Registration module deferred. |\n| **C062** | Classification does not determine validity or enforceability. | Statutory-domain boundary. | Contract/enforcement modules deferred. |\n| **C063** | Classification alone does not establish debt-review eligibility. | §§6,78–88 boundary. | Full module deferred. |\n| **C064** | 2019 debt-intervention provisions are not used. | P02/P03 hold. | Commencement unresolved. |\n| **C065** | No actual agreement, party or record was searched. | Research-method fact. | Private facts held. |\n| **C066** | All province/local branches remain unexamined. | Scope limit. | National law not local completion. |\n| **C067** | Foreign/cross-border enforcement remains held. | Scope limit. | A098 unaccepted. |\n| **C068** | A066/A097/A098 and whole-country acceptance remain held. | Scope limit. | Separate review required. |\n\n# Complete granular coverage register\n\n## G1 — Scope, parties, nexus and exceptions\n\n| Row | Subissue | Status | Finding/claims | Missing fact or exact next action |\n| --- | --- | --- | --- | --- |\n| **G1-01** | Current source edition | partial-currentness | C001–C003 | Complete post-2019 provision citator if operational use |\n| **G1-02** | Original commencement | answered | C001 | None for §§1–11 |\n| **G1-03** | 2014 mortgage amendment | answered | C002,C036 | No 2019 inference |\n| **G1-04** | Arm’s-length gateway | answered at rule level | C004,C015–C018 | Actual relationship |\n| **G1-05** | South African territorial nexus | answered | C004–C006 | Agreement/performance facts |\n| **G1-06** | Foreign provider | partial | C005,C009 | Ministerial approval and nexus |\n| **G1-07** | Continued application after departure | answered | C006 | Initial coverage |\n| **G1-08** | State as consumer | answered | C007 | Actual actor |\n| **G1-09** | Organ of state as consumer | answered | C007 | Actual statutory status |\n| **G1-10** | SARB as provider | answered | C007 | Actual provider |\n| **G1-11** | Public entity as provider | partial | C008 | Control/actor facts |\n| **G1-12** | Natural-person consumer | answered at definition level | C019 | Role under actual agreement |\n| **G1-13** | Sole proprietor/business purpose | partial | C014 | Contracting identity |\n| **G1-14** | Juristic-person definition | answered | C020 | Trust/body facts |\n| **G1-15** | Related juristic persons | answered | C011 | Control facts |\n| **G1-16** | Asset/turnover measurement date | answered | C010 | Actual stated values |\n| **G1-17** | Equality at R1m | answered | C012,C055 | Current threshold chain held |\n| **G1-18** | Below-threshold large agreement | answered | C013 | Agreement category |\n| **G1-19** | Juristic limited application | answered | C031–C032 | Other provisions still apply |\n| **G1-20** | Shareholder/control exception | answered conditionally | C015–C016 | Control/direction |\n| **G1-21** | Family dependency | answered conditionally | C017 | Dependency evidence |\n| **G1-22** | Employment arrangements | unresolved case-specific | C021 | Arm’s-length/terms |\n| **G1-23** | Incidental-credit surviving provisions | answered | C029–C030 | Actual account events |\n| **G1-24** | Classification versus permission | answered boundary | C061–C063 | Separate modules |\n\n## G2 — Agreement types and thresholds\n\n| Row | Subissue | Status | Finding/claims | Missing fact or next action |\n| --- | --- | --- | --- | --- |\n| **G2-01** | Credit facility | answered | C023 | Actual reusable-credit terms |\n| **G2-02** | Credit transaction umbrella | answered | C024 | Specific category |\n| **G2-03** | Insurance exclusion | answered | C025 | Actual insurer arrangement |\n| **G2-04** | Immovable lease exclusion | answered | C025,C038 | Actual property |\n| **G2-05** | Stokvel exclusion | answered | C025 | Rules/membership |\n| **G2-06** | Discount transaction | answered conditionally | C034 | Dual-price terms |\n| **G2-07** | Incidental credit | answered conditionally | C028–C030 | Late fee/price/timing |\n| **G2-08** | Instalment agreement | answered conditionally | C035 | Property/ownership/charges |\n| **G2-09** | Mortgage | answered | C036,C049 | Registered bond |\n| **G2-10** | Secured loan | answered | C037 | Pledge/cession |\n| **G2-11** | NCA lease | answered | C038,C059 | Ownership transfer |\n| **G2-12** | Other deferred-payment agreement | answered conditionally | C039–C040 | Charge/fee/interest |\n| **G2-13** | Credit guarantee | answered conditionally | C022,C056,C060 | Underlying agreement |\n| **G2-14** | Dishonoured cheque | answered | C026 | Separate cause of action |\n| **G2-15** | Third-party card merchant | answered | C027 | Merchant’s own terms |\n| **G2-16** | Utility periodic billing | answered conditionally | C028 | 30-day/charge facts |\n| **G2-17** | Threshold notice identity | answered | C042 | Successor search held |\n| **G2-18** | Threshold continuation | answered at statutory level | C043 | Later notice could exist |\n| **G2-19** | Current R1m/R250k corroboration | answered as 2024 practice | C044 | Not Gazette replacement |\n| **G2-20** | Current R15k status | partial-currentness | C045 | Full successor search |\n| **G2-21** | Small category | answered | C046,C053 | Agreement type |\n| **G2-22** | Intermediate category | answered | C047 | Guarantee excluded |\n| **G2-23** | Large category | answered | C048–C049,C054 | Agreement type |\n| **G2-24** | High-limit facility | answered textually | C050 | No invented large category |\n| **G2-25** | Principal debt | answered | C051 | §102 items |\n| **G2-26** | Fees/interest versus principal | answered conditionally | C052 | Actual capitalisation |\n| **G2-27** | Guarantee monetary category | unresolved by text | C056 | Underlying-category treatment |\n| **G2-28** | Mortgage versus secured loan | answered | C036–C037 | Actual collateral |\n\n## G3 — Published merits authorities\n\n| Row | Authority issue | Status | Finding/claims | Limit |\n| --- | --- | --- | --- | --- |\n| **G3-01** | Charge/fee/interest requirement | answered | C057 | Named categories still tested |\n| **G3-02** | Indeterminate profit share | answered narrowly | C057 | Agreement-specific |\n| **G3-03** | Large deferred share price | answered narrowly | C058 | No charge in facts |\n| **G3-04** | Periodic rent as deferral | answered narrowly | C059 | Written terms control |\n| **G3-05** | NCA-defined lease | answered narrowly | C038,C059 | Ownership-pass predicate |\n| **G3-06** | Common-law movable lease | answered narrowly | C059 | Simulation/fraud held |\n| **G3-07** | Corporate large underlying agreement | answered narrowly | C060 | Actual corporate threshold |\n| **G3-08** | Natural-person guarantee | answered narrowly | C022,C060 | Independent obligation differs |\n| **G3-09** | Procedural posture/results | answered | Source register S008–S011 | No docket/private search |\n| **G3-10** | Full current citator | unresolved | Bounded cases only | Later treatment not exhaustively checked |\n\n## G4 — Fictional workflows and arithmetic\n\n| Row | Workflow | Status | Claims | Missing facts |\n| --- | --- | --- | --- | --- |\n| **G4-01** | Immediate cash sale | answered conditionally | C041 | Actual deferral |\n| **G4-02** | Store card | answered conditionally | C023,C046 | Facility terms |\n| **G4-03** | Overdraft | answered conditionally | C023,C047,C050 | Authorised limit |\n| **G4-04** | Unsecured term loan | answered conditionally | C039–C040,C047 | Charges/arm’s length |\n| **G4-05** | Movable instalment | answered conditionally | C035,C047 | Ownership/charge |\n| **G4-06** | Non-interest instalments | partial/adverse | C035,C039–C040 | Hidden/dual price |\n| **G4-07** | Medical/utility arrears | partial | C028–C030 | Late-charge events |\n| **G4-08** | Residential/common-law rent | answered boundary | C025,C038,C059 | Actual terms/property |\n| **G4-09** | Natural surety/corporate large debt | answered conditionally | C013,C022,C060 | Underlying/novation |\n| **G4-10** | Below-threshold corporate loan | answered conditionally | C010–C013,C031 | Related entities |\n| **G4-11** | Corporate equality | answered arithmetic | C012,C055 | Correct stated values |\n| **G4-12** | Principal versus total cost | answered arithmetic | C051–C054 | §102 capitalisation |\n| **G4-13** | Small mortgage | answered arithmetic | C036,C049 | Registered bond |\n| **G4-14** | Four required boundary calculations | answered | Examples A–D | No actual eligibility |\n\n## G5 — Reviewed gap and scope\n\n| Row | Matter | Status | Finding/claims | Exact next action |\n| --- | --- | --- | --- | --- |\n| **G5-01** | P05 D11 | partial substantive completion | C001–C068 | Apply to actual agreement separately |\n| **G5-02** | Current threshold supersession | partial | C042–C045 | Complete Gazette successor audit |\n| **G5-03** | Complete current NCA consolidation | partial | C003 | Provision-specific currentness review |\n| **G5-04** | P06/P10/P12 | excluded as premises | Provenance hold | Separate review |\n| **G5-05** | 2019 debt intervention | excluded | C064 | Preserve P02/P03 hold |\n| **G5-06** | No private records | answered | C065 | None |\n| **G5-07** | Provinces/localities | unresolved | C066 | Territorial rows below |\n| **G5-08** | A066/A097/A098/country | held | C067–C068 | Separate complete review |\n\n# Explicitly deferred legal families\n\n| Row | Deferred family | Status | Exact retained question |\n| --- | --- | --- | --- |\n| **D01** | Actual agreement interpretation | excluded_with_reason | What are the real parties, terms, charges, security and consideration? |\n| **D02** | Credit-provider registration | excluded_with_reason | Is the actual provider registered or exempt? |\n| **D03** | Debt-counsellor fees/currentness | excluded_with_reason | Preserve P05/P07/P09 holds. |\n| **D04** | CPA/ECTA contract and cancellation | excluded_with_reason | Preserve reviewed P08/P11 scope. |\n| **D05** | PDA/client money | excluded_with_reason | P06 remains unreviewed. |\n| **D06** | Prescription | excluded_with_reason | P12 remains unreviewed. |\n| **D07** | NCR/NCT enforcement | excluded_with_reason | P10 remains unreviewed. |\n| **D08** | Debt review/over-indebtedness | excluded_with_reason | Classification alone does not establish eligibility. |\n| **D09** | Reckless credit | excluded_with_reason | Separate assessment and remedy module. |\n| **D10** | Agreement validity/unlawfulness | excluded_with_reason | Separate §§89–90 analysis. |\n| **D11** | Disclosure, interest and cost caps | excluded_with_reason | Product classification does not decide lawful pricing. |\n| **D12** | Collection/default/enforcement | excluded_with_reason | Separate notices, procedure and court analysis. |\n| **D13** | Credit reporting/clearance | excluded_with_reason | Classification is not reporting status. |\n| **D14** | Security enforcement/repossession | excluded_with_reason | Mortgage/secured classification is not enforcement result. |\n| **D15** | Suretyship/common-law guarantee | excluded_with_reason | Accessory versus independent obligation requires document. |\n| **D16** | Insolvency/sequestration/business rescue | excluded_with_reason | Separate statutory actors and effects. |\n| **D17** | Tax/VAT | excluded_with_reason | No tax result follows. |\n| **D18** | Municipal, medical, rent and utilities substantive law | excluded_with_reason | Only NCA classification boundary addressed. |\n| **D19** | Tribal/customary/community arrangements | excluded_with_reason | No customary-law analysis or factual community structure examined. |\n| **D20** | Foreign law, currency, recognition and jurisdiction | excluded_with_reason | A098 held. |\n| **D21** | Complete current threshold/citator audit | excluded_with_reason | Bounded currentness only. |\n| **D22** | Whole-country/A066/A097/A098 acceptance | excluded_with_reason | No acceptance from P13. |\n\n# Provincial and local register\n\nThe NCA is national legislation, but P13 did not examine province-specific courts, consumer bodies, local service rules, customary arrangements or venue questions.\n\n| Row | Province | Status | Exact remaining question |\n| --- | --- | --- | --- |\n| **T01** | Eastern Cape | unresolved | What provincial/local forum and procedure applies to an actual classification dispute? |\n| **T02** | Free State | unresolved | Same forum, procedure and local-law inquiry |\n| **T03** | Gauteng | unresolved | National NCR material does not establish all Gauteng procedural or local rules |\n| **T04** | KwaZulu-Natal | unresolved | No provincial/local body read |\n| **T05** | Limpopo | unresolved | No provincial/local body read |\n| **T06** | Mpumalanga | unresolved | No provincial/local body read |\n| **T07** | Northern Cape | unresolved | No provincial/local body read |\n| **T08** | North West | unresolved | No provincial/local body read |\n| **T09** | Western Cape | unresolved | No provincial/local body read |\n\n# Evidence-backed article, checklist and conditional-tool opportunities\n\n| Candidate | Supported function | Mandatory limitation |\n| --- | --- | --- |\n| **NCA applicability decision tree** | Party → arm’s length → nexus → §4 exclusion → §8 type → §9 category → §5/§6 limits | Not an authorisation or enforceability opinion |\n| **Juristic threshold worksheet** | Record asset value, turnover, related entities and agreement date | Must use actual statements and current threshold source |\n| **Credit-category classifier** | Distinguish facility, instalment, mortgage, secured loan, lease, incidental credit and guarantee | Actual agreement terms required |\n| **Threshold calculator** | Apply R15k/R250k equality rules to principal debt or facility limit | Must display currentness hold and exclude total cost unless capitalised |\n| **Principal-debt worksheet** | Separate deferred amount, §102 items, fees and interest | Not a pricing-compliance calculator |\n| **Guarantee dependency map** | Classify underlying facility/transaction before guarantee | Cannot infer independent or accessory status from the label alone |\n| **Utility/medical-account checklist** | Identify statement date, late charge, interest and higher-price trigger | Does not decide sector-specific collection rights |\n| **Lease-versus-credit checklist** | Movable/immovable, payment timing, ownership transfer and charges | Common-law rental may remain outside the NCA lease definition |\n| **Classification evidence packet** | Agreement, amendments, parties, ownership/security, amount, charges, thresholds and relationship data | No actual eligibility or legal outcome certificate |\n\n# Search and read audit\n\nOfficial sources used:\n\n- South African Government and Department of Justice for the NCA, amendment Act, commencement metadata and threshold notice.\n- dtic and NCR for an integrated NCA compilation and 2024 application presentation.\n- Supreme Court of Appeal for four bounded published merits judgments.\n\nRepresentative searches included:\n\n- site:gov.za National Credit Act 34 of 2005 sections 4 8 9\n- site:gov.za National Credit Act threshold Notice 713\n- site:thedtic.gov.za National Credit Act threshold R1 000 000 R250 000\n- site:supremecourtofappeal.org.za NCA section 8 charge fee interest\n- site:supremecourtofappeal.org.za NCA lease deferred rental\n- site:supremecourtofappeal.org.za credit guarantee juristic large agreement\n\nMaterial limits:\n\n1. The integrated dtic Act contains pending 2019 text; original and amending bodies were used for material definitions.\n2. No complete post-2006 threshold Gazette register was available. Notice 713, §2(4) and 2024 NCR usage support the stated position, but no permanent nonexistence claim is made.\n3. The R15,000 lower threshold was not independently restated in the 2024 presentation.\n4. The selected cases resolve narrow classification questions; no complete current citator was run.\n5. No actual party, contract, account, property, company, provider, licence or private case record was searched.\n6. No contact, filing, complaint, record request, payment, account change, purchase or publication occurred.\n\n# Researcher self-check and displayed counts\n\n| Deliverable | Actual count |\n| --- | --- |\n| P13 source-register rows | **12** |\n| P13 atomic claims | **68** |\n| G1 core coverage rows | **24** |\n| G2 core coverage rows | **28** |\n| G3 authority coverage rows | **10** |\n| G4 workflow/arithmetic coverage rows | **14** |\n| G5 reconciliation rows | **8** |\n| **Total core coverage rows** | **84** |\n| Explicit deferred-family rows | **22** |\n| Provincial rows | **9** |\n| **Total coverage rows** | **115** |\n| Fictional workflows | **13** |\n| Fully reproduced boundary calculations | **5** |\n| Published merits authorities | **4** |\n| New actual eligibility, fee or enforcement outcomes | **0** |\n\n## Consistency self-check\n\n- Party and arm’s-length gates precede monetary classification.\n- R1 million equality is treated as “equals or exceeds.”\n- R15,000 equality is small.\n- R250,000 equality is large for an eligible credit transaction.\n- A mortgage is large regardless of amount.\n- A high-limit facility is not silently recategorised as large.\n- Principal debt is separated from expected total payments.\n- §102 capitalisation remains a qualified alternative.\n- Deferral alone is not called credit.\n- Periodic payments alone are not called credit.\n- Residential rent is not treated as an NCA lease.\n- Secured loan and mortgage are separated.\n- Natural-person surety status does not override an excluded underlying corporate agreement.\n- Incidental credit is not called wholly outside the NCA.\n- Covered juristic agreements are recognised as partially regulated under §6.\n- No debt-review, provider-registration, validity or enforcement result is inferred.\n- P06, P10 and P12 are not adopted.\n- The 2019 debt-intervention hold remains.\n- No province, locality, A066, A097, A098 or country component is accepted.\n\n## Exact next primary-source question\n\nFor a specified agreement, who is the legal consumer and credit provider; are they at arm’s length; what asset, turnover and related-person values applied on the agreement date; what amount was actually deferred; what charges or interest were contractually payable; what property and security were involved; and do those facts place the agreement within a particular §8 type and §9 monetary category or an exclusion under §§4, 5, 6 or 8(2)?\n\n**Final P13 disposition:** P05 D11 moves from wholly deferred to **partial substantive national coverage**. The NCA applicability, agreement-type and monetary-category gateway is established, but every actual contract, current-threshold supersession issue, provider permission, debt-review effect, enforcement consequence, provincial/local issue and A066/A097/A098 acceptance remains held.\n\nEND C_ZA PASS-13\n\n","tables":[{"headers":["Category","Statutory elements","Important adverse branch"],"index":0,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Category","Statutory elements","Important adverse branch"],["Credit facility","Provider undertakes to supply goods/services or pay amounts chosen by the consumer from time to time; payment or repayment is deferred or periodically billed; and a charge, fee or interest is payable on deferred or unpaid amounts.","A normal periodic account with no charge for at least 30 days may instead fall under the continuous-service/incidental-credit rule."],["Pawn transaction","Statutory credit transaction involving pledged property under the Act’s definition.","Always categorised as small under §9, regardless of amount."],["Discount transaction","Goods/services supplied over time with more than one price, where a lower price applies if paid by a date and a higher price applies later or periodically.","Mere discounting without the statutory payment structure may not qualify."],["Incidental credit","An account for goods/services where late interest/fees are payable, or where a lower timely-settlement price and higher later price apply.","Limited NCA application under §5, not full ordinary-credit coverage."],["Instalment agreement","Sale of movable property; price deferred in periodic payments; possession/use transferred; ownership passes later or immediately subject to repossession rights; and interest, fees or charges are payable.","Periodic payments alone are insufficient; movable property, ownership/recovery and charge elements matter."],["Mortgage agreement","Credit agreement secured by registration of a mortgage bond over immovable property by the Registrar of Deeds.","Always a large agreement; not synonymous with every secured loan."],["Secured loan","Not an instalment agreement; provider advances money or credit and retains or receives a pledge or cession of title to movable property or another thing of value as security.","A registered mortgage bond over immovable property is the mortgage branch, not merely a generic secured loan."],["NCA-defined lease","Temporary possession or use of movable property; periodic or deferred payment; interest, fees or charges; and ownership passes at the end absolutely or conditionally.","Ordinary residential rent and many common-law movable rentals do not meet this definition."],["Other credit transaction","Payment of an amount owed is deferred and a charge, fee or interest is payable in respect of the agreement or deferred amount.","Deferral alone is insufficient."],["Credit guarantee","A person promises on demand to satisfy another consumer’s obligation under an NCA-covered facility or transaction.","It is accessory to the underlying agreement’s NCA coverage."]]},{"headers":["Threshold","Amount"],"index":1,"links":[],"row_links":[[],[],[],[]],"rows":[["Threshold","Amount"],["Juristic consumer asset value or annual turnover","R1,000,000"],["Lower agreement-category threshold","R15,000"],["Higher agreement-category threshold","R250,000"]]},{"headers":["Authority","Procedural posture and issue","Holding used in P13","Limit"],"index":2,"links":[],"row_links":[[],[],[],[],[]],"rows":[["Authority","Procedural posture and issue","Holding used in P13","Limit"],["Asmal v Essa [2014] ZASCA 62","Appeal concerning whether loans and alleged profit shares constituted NCA credit agreements","A qualifying charge, fee or interest must be ascertainable under the agreement; indeterminate profit shares did not qualify, and loans without attached charges were not credit agreements","Does not decide every interest-free named category or every profit-linked agreement"],["Nel v Cilliers [2024] ZASCA 57","Appeal concerning deferred share-sale consideration","Deferral of R30 million without a charge, fee or interest did not satisfy §8(4)(f)","Agreement-specific; does not negate incidental/discount categories"],["ABSA Technology Finance Solutions v Michael’s Bid a House [2013] ZASCA 10","Appeal over equipment rental classification","Monthly rent due in advance was not deferred; common-law rental was not the NCA-defined lease and did not satisfy §8(4)(f)","Actual written terms control; simulation or fraud can alter analysis if properly pleaded and proved"],["Da Silva v Slip Knot Investments [2010] ZASCA 174","Appeal by natural-person sureties under settlement/guarantee arrangements","Underlying large juristic mortgage/secured loans were excluded, so accessory guarantees were excluded under §§4(2)(c) and 8(5)","Does not decide an independent indemnity or a genuinely novated principal obligation"]]},{"headers":["Reviewed row","Original wording","P13 result","Status"],"index":3,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Reviewed row","Original wording","P13 result","Status"],["P05 D11 — Full product/debt-type coverage","“Separate NCA agreement/debt classification work.”","National NCA applicability, party exclusions, arm’s-length rules, juristic thresholds, incidental-credit limits, core §8 categories, §9 monetary categories and bounded published merits authorities are now researched.","Partial substantive completion. Actual agreements, complete current threshold supersession, registration, validity, debt review, enforcement and remedies remain open."],["P06 PDA","Saved, unreviewed","No client-money or PDA conclusion used.","Held"],["P10 enforcement","Saved, unreviewed","No complaint, sanction or fine result used.","Held"],["P12 prescription","Saved, unreviewed","No prescription conclusion used.","Held"],["P02/P03 2019 amendment","Commencement/implementation held","No debt-intervention provision used.","Held"],["Country/A066/A097/A098","Unaccepted","P13 is a national classification gateway only.","Held"]]},{"headers":["Source ID","Issuer, title and complete literal HTTPS URL","Exact material read and locator","Status, commencement and limits"],"index":4,"links":[{"href":"https://www.gov.za/sites/default/files/gcis_document/201409/a34-050_1.pdf","text":"South African Government\n+4"},{"href":"https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf","text":"DTIC\n+4"},{"href":"https://www.gov.za/documents/national-credit-act","text":"South African Government"},{"href":"https://www.gov.za/sites/default/files/gcis_document/201409/37665gon389.pdf","text":"South African Government\n+1"},{"href":"https://www.gov.za/sites/default/files/gcis_document/201409/28893.pdf","text":"South African Government"},{"href":"https://www.thedtic.gov.za/wp-content/uploads/NCR-PC-Trade-SC-Finance.pdf","text":"DTIC\n+1"},{"href":"https://www.supremecourtofappeal.org.za/index.php/component/jdownloads/send/94-judgements-2024/4217-nel-others-v-cilliers-197-2023-2024-zasca-57-19-april-2024?Itemid=0","text":"Supreme Court of Appeal\n+1"},{"href":"https://www.supremecourtofappeal.org.za/index.php/component/jdownloads/send/29-judgments-2014/2527-asmal-v-essa-38-2013-2013-zasca-62-14-may-2014?Itemid=0","text":"Supreme Court of Appeal\n+2"},{"href":"https://www.supremecourtofappeal.org.za/index.php/component/jdownloads/send/28-judgments-2013/2371-absa-technology-v-michael-s-bid-a-house-212-12-2013-zasca-10-15-march-2012?Itemid=0","text":"Supreme Court of Appeal\n+3"},{"href":"https://www.supremecourtofappeal.org.za/index.php/component/jdownloads/send/23-judgments-2010/1459-da-silva-v-slip-knot-investments-661-2009-2010-zasca-174-2-december-2010?Itemid=0","text":"Supreme Court of Appeal\n+2"},{"href":"https://www.gov.za/nr/documents/notices?order=title&page=1088&sort=asc&utm_source=chatgpt.com","text":"South African Government"}],"row_links":[[],[{"href":"https://www.gov.za/sites/default/files/gcis_document/201409/a34-050_1.pdf","text":"South African Government\n+4"}],[{"href":"https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf","text":"DTIC\n+4"}],[{"href":"https://www.gov.za/documents/national-credit-act","text":"South African Government"}],[{"href":"https://www.gov.za/sites/default/files/gcis_document/201409/37665gon389.pdf","text":"South African Government\n+1"}],[],[{"href":"https://www.gov.za/sites/default/files/gcis_document/201409/28893.pdf","text":"South African Government"}],[{"href":"https://www.thedtic.gov.za/wp-content/uploads/NCR-PC-Trade-SC-Finance.pdf","text":"DTIC\n+1"}],[{"href":"https://www.supremecourtofappeal.org.za/index.php/component/jdownloads/send/94-judgements-2024/4217-nel-others-v-cilliers-197-2023-2024-zasca-57-19-april-2024?Itemid=0","text":"Supreme Court of Appeal\n+1"}],[{"href":"https://www.supremecourtofappeal.org.za/index.php/component/jdownloads/send/29-judgments-2014/2527-asmal-v-essa-38-2013-2013-zasca-62-14-may-2014?Itemid=0","text":"Supreme Court of Appeal\n+2"}],[{"href":"https://www.supremecourtofappeal.org.za/index.php/component/jdownloads/send/28-judgments-2013/2371-absa-technology-v-michael-s-bid-a-house-212-12-2013-zasca-10-15-march-2012?Itemid=0","text":"Supreme Court of Appeal\n+3"}],[{"href":"https://www.supremecourtofappeal.org.za/index.php/component/jdownloads/send/23-judgments-2010/1459-da-silva-v-slip-knot-investments-661-2009-2010-zasca-174-2-december-2010?Itemid=0","text":"Supreme Court of Appeal\n+2"}],[{"href":"https://www.gov.za/nr/documents/notices?order=title&page=1088&sort=asc&utm_source=chatgpt.com","text":"South African Government"}]],"rows":[["Source ID","Issuer, title and complete literal HTTPS URL","Exact material read and locator","Status, commencement and limits"],["C_ZA-P13-S001","Presidency/Parliament, National Credit Act 34 of 2005, GG28619, 15 March 2006. https://www.gov.za/sites/default/files/gcis_document/201409/a34-050_1.pdf","Definitions: zero P8–P13 / printed GG pp16–26; §2: P14 / p28; §4: P16–P17 / pp32–34; §5: P18 / p36; §§6–8: P19–P20 / pp38–40; §§9–10: P20–P21 / pp40–42.","Fresh original enacted body and relevant page images read. Original wording does not contain every later amendment, notably the 2014 mortgage definitions. \nSouth African Government\n+4"],["S002","dtic, National Credit Act 34 of 2005 dated amended compilation. https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf","Definitions zero P7–P11; §2 P13; §§4–5 P14–P16; §§6–9 P16–P17; §101 P71. No reliable original Gazette printed-page mapping for compilation.","Fresh integrated body and relevant images read. Displays pending 2019 provisions and is not certified as a complete October 2026 consolidation. \nDTIC\n+4"],["S003","South African Government, National Credit Act 34 of 2005 legislative record. https://www.gov.za/documents/national-credit-act","HTML commencement entries and amendment metadata; PDF index not applicable.","Fresh official metadata read. Confirms §§1–11 commenced 1 June 2006 and identifies later amendment Acts. Not a substitute for section text. \nSouth African Government"],["S004","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","Mortgage and mortgage-agreement substitutions, zero P1 / printed GG p2; linked definitions surrounding clause 1.","Fresh enacted body and page image read. Commencement established separately by S005. \nSouth African Government\n+1"],["S005","President, Commencement of the National Credit Amendment Act 19 of 2014, Proclamation R.10 of 2015, GG38557. https://www.gov.za/sites/default/files/gcis_document/201503/38557reg10382pro10.pdf","Entire proclamation, zero P0 / printed GG p3.","Precisely attributable prior primary source and operative commencement body. Commenced Act 19/2014 on 13 March 2015. Not the 2019 amendment proclamation."],["S006","Minister of Trade and Industry, Determination of Thresholds, Notice 713, GG28893, 1 June 2006. https://www.gov.za/sites/default/files/gcis_document/201409/28893.pdf","Entire notice: zero P0 / printed GG p3.","Fresh final gazetted threshold body and image read. Establishes R1m/R15k/R250k figures. Later supersession not exhaustively excluded. \nSouth African Government"],["S007","National Credit Regulator/dtic, Application of the National Credit Act 34 of 2005, presentation to parliamentary committees, 22 November 2024. https://www.thedtic.gov.za/wp-content/uploads/NCR-PC-Trade-SC-Finance.pdf","Threshold slides: zero P6–P7 / presentation slides 7–8.","Fresh official regulator presentation and images read. Corroborates R1m and R250k use in 2024 and describes proposed reform. Guidance/presentation, not a threshold Gazette. \nDTIC\n+1"],["S008","Supreme Court of Appeal, Nel and Others v Cilliers (197/2023) [2024] ZASCA 57. https://www.supremecourtofappeal.org.za/index.php/component/jdownloads/send/94-judgements-2024/4217-nel-others-v-cilliers-197-2023-2024-zasca-57-19-april-2024?Itemid=0","Paragraphs 29–31, zero P11–P12 / internal pp12–13.","Fresh official final judgment and page images read. Used narrowly for deferral plus charge/fee/interest. No complete later-citator review. \nSupreme Court of Appeal\n+1"],["S009","Supreme Court of Appeal, Asmal v Essa (38/2013) [2014] ZASCA 62. https://www.supremecourtofappeal.org.za/index.php/component/jdownloads/send/29-judgments-2014/2527-asmal-v-essa-38-2013-2013-zasca-62-14-may-2014?Itemid=0","Paragraphs 9–11, zero P7–P9 / internal pp8–10.","Fresh official final judgment and images read. Used for charge/fee/interest certainty and non-credit loans. URL title contains a year inconsistency; neutral citation in judgment controls. \nSupreme Court of Appeal\n+2"],["S010","Supreme Court of Appeal, ABSA Technology Finance Solutions (Pty) Ltd v Michael’s Bid a House CC (212/2012) [2013] ZASCA 10. https://www.supremecourtofappeal.org.za/index.php/component/jdownloads/send/28-judgments-2013/2371-absa-technology-v-michael-s-bid-a-house-212-12-2013-zasca-10-15-march-2012?Itemid=0","Paragraphs 13–28, zero P5–P11 / internal pp6–12.","Fresh official final judgment and page images read. Used narrowly for NCA lease and deferral classification. \nSupreme Court of Appeal\n+3"],["S011","Supreme Court of Appeal, Da Silva v Slip Knot Investments 777 (Pty) Ltd (661/2009) [2010] ZASCA 174. https://www.supremecourtofappeal.org.za/index.php/component/jdownloads/send/23-judgments-2010/1459-da-silva-v-slip-knot-investments-661-2009-2010-zasca-174-2-december-2010?Itemid=0","Summary and posture zero P0–P1; paragraphs 7–8 zero P4 / internal p5; paragraph 13 zero P7 / internal p8.","Fresh official final judgment and images read. Used for large juristic agreement and accessory-guarantee classification. \nSupreme Court of Appeal\n+2"],["S012","South African Government, Notices catalogue, threshold-related index. https://www.gov.za/nr/documents/notices?order=title&page=1088&sort=asc","HTML title index; no substantive Gazette body or PDF index.","Fresh discovery/index source only. Used in bounded successor-threshold searching; not evidence that no later threshold exists. \nSouth African Government"]]},{"headers":["Claim ID","Exact proposition, actor and predicate","Primary evidence","Exception or remaining hold"],"index":5,"links":[{"href":"https://www.gov.za/documents/national-credit-act","text":"South African Government"},{"href":"https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf?utm_source=chatgpt.com","text":"DTIC"},{"href":"https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf","text":"DTIC"},{"href":"https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf","text":"DTIC"},{"href":"https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf","text":"DTIC"},{"href":"https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf","text":"DTIC"},{"href":"https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf","text":"DTIC"},{"href":"https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf","text":"DTIC"},{"href":"https://www.gov.za/sites/default/files/gcis_document/201409/28893.pdf","text":"South African 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Government"}],[],[{"href":"https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf?utm_source=chatgpt.com","text":"DTIC"}],[{"href":"https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf","text":"DTIC"}],[{"href":"https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf","text":"DTIC"}],[{"href":"https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf","text":"DTIC"}],[{"href":"https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf","text":"DTIC"}],[{"href":"https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf","text":"DTIC"}],[],[{"href":"https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf","text":"DTIC"}],[],[{"href":"https://www.gov.za/sites/default/files/gcis_document/201409/28893.pdf","text":"South African Government"}],[{"href":"https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf","text":"DTIC"}],[],[],[],[],[],[{"href":"https://www.justice.gov.za/mc/vnbp/act2005-034.pdf","text":"Justice\n+1"}],[{"href":"https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf","text":"DTIC"}],[],[{"href":"https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf","text":"DTIC"}],[{"href":"https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf","text":"DTIC"}],[{"href":"https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf","text":"DTIC"}],[{"href":"https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf","text":"DTIC"}],[{"href":"https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf","text":"DTIC"}],[{"href":"https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf","text":"DTIC"}],[{"href":"https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf","text":"DTIC"}],[{"href":"https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf","text":"DTIC"}],[{"href":"https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf","text":"DTIC"}],[{"href":"https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf","text":"DTIC"}],[],[{"href":"https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf","text":"DTIC"}],[],[{"href":"https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf","text":"DTIC"}],[{"href":"https://www.gov.za/sites/default/files/gcis_document/201409/37665gon389.pdf","text":"South African Government"}],[{"href":"https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf","text":"DTIC"}],[{"href":"https://www.supremecourtofappeal.org.za/index.php/component/jdownloads/send/28-judgments-2013/2371-absa-technology-v-michael-s-bid-a-house-212-12-2013-zasca-10-15-march-2012?Itemid=0","text":"Supreme Court of Appeal"}],[{"href":"https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf","text":"DTIC"}],[{"href":"https://www.supremecourtofappeal.org.za/index.php/component/jdownloads/send/29-judgments-2014/2527-asmal-v-essa-38-2013-2013-zasca-62-14-may-2014?Itemid=0","text":"Supreme Court of Appeal\n+1"}],[],[{"href":"https://www.gov.za/sites/default/files/gcis_document/201409/28893.pdf","text":"South African Government"}],[{"href":"https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf","text":"DTIC"}],[{"href":"https://www.thedtic.gov.za/wp-content/uploads/NCR-PC-Trade-SC-Finance.pdf","text":"DTIC\n+1"}],[],[{"href":"https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf","text":"DTIC"}],[{"href":"https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf","text":"DTIC"}],[{"href":"https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf","text":"DTIC"}],[],[],[{"href":"https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf","text":"DTIC"}],[{"href":"https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf","text":"DTIC"}],[],[],[],[],[{"href":"https://www.supremecourtofappeal.org.za/index.php/component/jdownloads/send/29-judgments-2014/2527-asmal-v-essa-38-2013-2013-zasca-62-14-may-2014?Itemid=0","text":"Supreme Court of Appeal\n+1"}],[{"href":"https://www.supremecourtofappeal.org.za/index.php/component/jdownloads/send/94-judgements-2024/4217-nel-others-v-cilliers-197-2023-2024-zasca-57-19-april-2024?Itemid=0","text":"Supreme Court of Appeal\n+1"}],[{"href":"https://www.supremecourtofappeal.org.za/index.php/component/jdownloads/send/28-judgments-2013/2371-absa-technology-v-michael-s-bid-a-house-212-12-2013-zasca-10-15-march-2012?Itemid=0","text":"Supreme Court of Appeal\n+1"}],[{"href":"https://www.supremecourtofappeal.org.za/index.php/component/jdownloads/send/23-judgments-2010/1459-da-silva-v-slip-knot-investments-661-2009-2010-zasca-174-2-december-2010?Itemid=0","text":"Supreme Court of Appeal\n+1"}],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Exact proposition, actor and predicate","Primary evidence","Exception or remaining hold"],["C_ZA-P13-C001","NCA §§1–11 commenced on 1 June 2006.","S003 commencement record. \nSouth African Government","Full Act had staged commencement."],["C002","2014 mortgage definitions commenced 13 March 2015.","S004–S005.","No 2019 assumption."],["C003","dtic compilation is useful but not certified through Oct 2026 and contains pending 2019 text.","S002. \nDTIC","Provision-specific originals control where material."],["C004","NCA generally requires an arm’s-length agreement made in or having effect in South Africa.","S001/S002 §4(1). \nDTIC","Listed exclusions apply."],["C005","Foreign location of provider does not itself prevent NCA application.","§4(3). \nDTIC","Approved foreign-provider exclusion may apply."],["C006","Once applicable, NCA continues despite later departure and applies to foreign acts under agreement.","§4(4). \nDTIC","Initial applicability still required."],["C007","State/organ as consumer and SARB as provider are excluded.","§4(1)(a)(ii)–(iii),(c). \nDTIC","Provider-side public entities differ."],["C008","State, organ, controlled entity and Land Bank can be covered as providers.","§4(3)(b). \nDTIC","Exact entity/status required."],["C009","Foreign-provider agreement approved by Minister on consumer application is excluded.","§4(1)(d).","Actual approval required."],["C010","Juristic threshold uses asset value or turnover plus related persons at agreement date.","§4(1)(a)(i),(2)(a). \nDTIC","Actual statements/private facts unknown."],["C011","Related juristic persons include control or common-control relationships.","§4(2)(d).","Group facts required."],["C012","Equality with R1m triggers juristic threshold exclusion.","§4 + Notice713. \nSouth African Government","Other inputs must be accurate."],["C013","Below-threshold juristic consumer’s large agreement is excluded.","§4(1)(b), §9(4). \nDTIC","Natural-consumer agreements not excluded by this clause."],["C014","Natural person remains natural despite business purpose.","§1 juristic definition and §4 structure.","Actual contracting party controls."],["C015","Controlling-shareholder loan to juristic consumer is a non-arm’s-length example.","§4(2)(b)(i).","Not every shareholder loan."],["C016","Juristic-provider credit to controlling person is a non-arm’s-length example.","§4(2)(b)(ii).","Control must exist."],["C017","Dependent/co-dependent family arrangement is a non-arm’s-length example.","§4(2)(b)(iii).","Family relationship alone insufficient."],["C018","Lack of independence/utmost advantage can make agreement non-arm’s-length.","§4(2)(b)(iv).","Contextual legal inquiry."],["C019","Consumer status depends on role under the agreement.","§1 definitions. \nJustice\n+1","Labels alone do not settle role."],["C020","Juristic person includes specified bodies and qualifying trusts; stokvel excluded.","§1. \nDTIC","Trust configuration required."],["C021","No blanket employment-credit exclusion was established.","§§4,8.","Arm’s-length and category tests remain."],["C022","Guarantee coverage follows underlying facility or transaction.","§§4(2)(c),8(5). \nDTIC","Independent principal obligation differs."],["C023","Credit facility requires reusable supply/payment undertaking, deferral/billing and charge/fee/interest.","§8(3). \nDTIC","Continuous-service exception."],["C024","Credit transaction includes listed named categories and §8(4)(f).","§8(4). \nDTIC","§8(2) exclusions."],["C025","Insurance-maintenance credit, immovable lease and qualifying stokvel transaction are excluded.","§8(2). \nDTIC","Other contracts not inferred excluded."],["C026","Dishonoured full-payment cheque/rejected third-party card charge does not itself create credit agreement.","§4(5). \nDTIC","Separate facility may exist."],["C027","Merchant paid through third-party facility is not thereby credit provider.","§4(6)(a). \nDTIC","Merchant’s own deferred terms may differ."],["C028","Qualifying periodic utility agreement is not a facility; overdue amount becomes incidental credit.","§4(6)(b). \nDTIC","30-day and charge predicates."],["C029","Incidental credit receives only listed NCA provisions.","§5(1). \nDTIC","Not blanket exclusion."],["C030","Incidental agreement deemed made 20 business days after stated fee/higher-price event.","§5(2). \nDTIC","Earlier payment may prevent event."],["C031","Covered juristic agreements lose specified Chapter 4/5 protections.","§6. \nDTIC","Other provisions remain."],["C032","Chapter 4 Part D debt review does not apply to juristic consumer.","§6(a).","Full debt-review module deferred."],["C033","Facility amount for §7 threshold is credit limit.","§7(2). \nDTIC","Current drawn balance irrelevant to category."],["C034","Discount transaction requires lower timely price/higher later price structure.","§1/§8(4)(a).","Actual price terms required."],["C035","Instalment agreement requires movable sale, deferred periodic price, possession, ownership/recovery structure and charges.","§1. \nDTIC","Periodic payment alone insufficient."],["C036","Mortgage requires registered bond over immovable property.","Act19/2014 definition. \nSouth African Government","Other security not mortgage."],["C037","Secured loan involves movable/value pledge or title cession and is not instalment agreement.","§1. \nDTIC","Security facts required."],["C038","NCA lease concerns movable property and ownership passing at end.","§1. \nSupreme Court of Appeal","Immovable lease excluded."],["C039","Other transaction requires deferral plus charge, fee or interest.","§8(4)(f). \nDTIC","Deferral alone insufficient."],["C040","Uncharged deferral may fall outside §8(4)(f).","Asmal; Nel. \nSupreme Court of Appeal\n+1","Named categories still must be checked."],["C041","Immediate cash sale is not credit absent deferral/advance.","§§1,8 inference.","Other arrangements may coexist."],["C042","Notice713 sets R1m, R15k and R250k.","S006. \nSouth African Government","Successor search held."],["C043","Threshold continues until successor takes effect.","§2(4). \nDTIC","Later instrument could alter."],["C044","2024 NCR material still used R1m/R250k.","S007. \nDTIC\n+1","Presentation not Gazette."],["C045","R15k is last gazetted lower threshold established, not fully re-certified through 2026.","S006/S012 bounded search.","No nonexistence claim."],["C046","Pawn always small; facility/other at or below R15k small.","§9(2). \nDTIC","Mortgage/guarantee exclusions."],["C047","Facility above R15k and ordinary transaction strictly between thresholds are intermediate.","§9(3). \nDTIC","Guarantee excluded from limb."],["C048","Mortgage always large; ordinary transaction at or above R250k large.","§9(4). \nDTIC","Pawn/guarantee excluded."],["C049","Mortgage is large regardless amount.","§9(4)(a).","Juristic large exclusion may follow."],["C050","Literal §9 treats facilities above lower threshold as intermediate.","§9(3)(a).","No invented large-facility category."],["C051","Principal debt is deferred amount plus qualifying §102 items.","§§1,101(1)(a),102. \nDTIC","Capitalised items fact-specific."],["C052","Interest and separately payable fees are not automatically principal.","§101 categories. \nDTIC","§102 can add specified items."],["C053","R15k equality falls within small category.","§9(2).","Threshold currentness hold."],["C054","R250k equality falls within large category.","§9(4).","Eligible transaction required."],["C055","R1m equality falls within juristic exclusion.","§4(1)(a)(i), Notice713.","Related-person aggregation applies."],["C056","Guarantee has no invented independent amount category; underlying coverage controls.","§§4(2)(c),8(5),9.","Drafting/category issue held."],["C057","Asmal requires qualifying ascertainable credit charge in relevant categories.","S009 paras9–11. \nSupreme Court of Appeal\n+1","Agreement-specific."],["C058","Nel held R30m deferred sale price without charge was not §8(4)(f) credit.","S008 paras29–31. \nSupreme Court of Appeal\n+1","Named categories not decided."],["C059","ABSA Technology held common-law rental payable in advance was not NCA lease or §8(4)(f) credit.","S010 paras13–28. \nSupreme Court of Appeal\n+1","Actual terms/simulation matter."],["C060","Da Silva applied accessory-guarantee rule to excluded juristic large agreements.","S011 paras7–13. \nSupreme Court of Appeal\n+1","Independent novated obligation differs."],["C061","Classification does not establish provider authorisation.","Statutory-domain boundary.","Registration module deferred."],["C062","Classification does not determine validity or enforceability.","Statutory-domain boundary.","Contract/enforcement modules deferred."],["C063","Classification alone does not establish debt-review eligibility.","§§6,78–88 boundary.","Full module deferred."],["C064","2019 debt-intervention provisions are not used.","P02/P03 hold.","Commencement unresolved."],["C065","No actual agreement, party or record was searched.","Research-method fact.","Private facts held."],["C066","All province/local branches remain unexamined.","Scope limit.","National law not local completion."],["C067","Foreign/cross-border enforcement remains held.","Scope limit.","A098 unaccepted."],["C068","A066/A097/A098 and whole-country acceptance remain held.","Scope limit.","Separate review required."]]},{"headers":["Row","Subissue","Status","Finding/claims","Missing fact or exact next action"],"index":6,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Row","Subissue","Status","Finding/claims","Missing fact or exact next action"],["G1-01","Current source edition","partial-currentness","C001–C003","Complete post-2019 provision citator if operational use"],["G1-02","Original commencement","answered","C001","None for §§1–11"],["G1-03","2014 mortgage amendment","answered","C002,C036","No 2019 inference"],["G1-04","Arm’s-length gateway","answered at rule level","C004,C015–C018","Actual relationship"],["G1-05","South African territorial nexus","answered","C004–C006","Agreement/performance facts"],["G1-06","Foreign provider","partial","C005,C009","Ministerial approval and nexus"],["G1-07","Continued application after departure","answered","C006","Initial coverage"],["G1-08","State as consumer","answered","C007","Actual actor"],["G1-09","Organ of state as consumer","answered","C007","Actual statutory status"],["G1-10","SARB as provider","answered","C007","Actual provider"],["G1-11","Public entity as provider","partial","C008","Control/actor facts"],["G1-12","Natural-person consumer","answered at definition level","C019","Role under actual agreement"],["G1-13","Sole proprietor/business purpose","partial","C014","Contracting identity"],["G1-14","Juristic-person definition","answered","C020","Trust/body facts"],["G1-15","Related juristic persons","answered","C011","Control facts"],["G1-16","Asset/turnover measurement date","answered","C010","Actual stated values"],["G1-17","Equality at R1m","answered","C012,C055","Current threshold chain held"],["G1-18","Below-threshold large agreement","answered","C013","Agreement category"],["G1-19","Juristic limited application","answered","C031–C032","Other provisions still apply"],["G1-20","Shareholder/control exception","answered conditionally","C015–C016","Control/direction"],["G1-21","Family dependency","answered conditionally","C017","Dependency evidence"],["G1-22","Employment arrangements","unresolved case-specific","C021","Arm’s-length/terms"],["G1-23","Incidental-credit surviving provisions","answered","C029–C030","Actual account events"],["G1-24","Classification versus permission","answered boundary","C061–C063","Separate modules"]]},{"headers":["Row","Subissue","Status","Finding/claims","Missing fact or next action"],"index":7,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Row","Subissue","Status","Finding/claims","Missing fact or next action"],["G2-01","Credit facility","answered","C023","Actual reusable-credit terms"],["G2-02","Credit transaction umbrella","answered","C024","Specific category"],["G2-03","Insurance exclusion","answered","C025","Actual insurer arrangement"],["G2-04","Immovable lease exclusion","answered","C025,C038","Actual property"],["G2-05","Stokvel exclusion","answered","C025","Rules/membership"],["G2-06","Discount transaction","answered conditionally","C034","Dual-price terms"],["G2-07","Incidental credit","answered conditionally","C028–C030","Late fee/price/timing"],["G2-08","Instalment agreement","answered conditionally","C035","Property/ownership/charges"],["G2-09","Mortgage","answered","C036,C049","Registered bond"],["G2-10","Secured loan","answered","C037","Pledge/cession"],["G2-11","NCA lease","answered","C038,C059","Ownership transfer"],["G2-12","Other deferred-payment agreement","answered conditionally","C039–C040","Charge/fee/interest"],["G2-13","Credit guarantee","answered conditionally","C022,C056,C060","Underlying agreement"],["G2-14","Dishonoured cheque","answered","C026","Separate cause of action"],["G2-15","Third-party card merchant","answered","C027","Merchant’s own terms"],["G2-16","Utility periodic billing","answered conditionally","C028","30-day/charge facts"],["G2-17","Threshold notice identity","answered","C042","Successor search held"],["G2-18","Threshold continuation","answered at statutory level","C043","Later notice could exist"],["G2-19","Current R1m/R250k corroboration","answered as 2024 practice","C044","Not Gazette replacement"],["G2-20","Current R15k status","partial-currentness","C045","Full successor search"],["G2-21","Small category","answered","C046,C053","Agreement type"],["G2-22","Intermediate category","answered","C047","Guarantee excluded"],["G2-23","Large category","answered","C048–C049,C054","Agreement type"],["G2-24","High-limit facility","answered textually","C050","No invented large category"],["G2-25","Principal debt","answered","C051","§102 items"],["G2-26","Fees/interest versus principal","answered conditionally","C052","Actual capitalisation"],["G2-27","Guarantee monetary category","unresolved by text","C056","Underlying-category treatment"],["G2-28","Mortgage versus secured loan","answered","C036–C037","Actual collateral"]]},{"headers":["Row","Authority issue","Status","Finding/claims","Limit"],"index":8,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Row","Authority issue","Status","Finding/claims","Limit"],["G3-01","Charge/fee/interest requirement","answered","C057","Named categories still tested"],["G3-02","Indeterminate profit share","answered narrowly","C057","Agreement-specific"],["G3-03","Large deferred share price","answered narrowly","C058","No charge in facts"],["G3-04","Periodic rent as deferral","answered narrowly","C059","Written terms control"],["G3-05","NCA-defined lease","answered narrowly","C038,C059","Ownership-pass predicate"],["G3-06","Common-law movable lease","answered narrowly","C059","Simulation/fraud held"],["G3-07","Corporate large underlying agreement","answered narrowly","C060","Actual corporate threshold"],["G3-08","Natural-person guarantee","answered narrowly","C022,C060","Independent obligation differs"],["G3-09","Procedural posture/results","answered","Source register S008–S011","No docket/private search"],["G3-10","Full current citator","unresolved","Bounded cases only","Later treatment not exhaustively checked"]]},{"headers":["Row","Workflow","Status","Claims","Missing facts"],"index":9,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Row","Workflow","Status","Claims","Missing facts"],["G4-01","Immediate cash sale","answered conditionally","C041","Actual deferral"],["G4-02","Store card","answered conditionally","C023,C046","Facility terms"],["G4-03","Overdraft","answered conditionally","C023,C047,C050","Authorised limit"],["G4-04","Unsecured term loan","answered conditionally","C039–C040,C047","Charges/arm’s length"],["G4-05","Movable instalment","answered conditionally","C035,C047","Ownership/charge"],["G4-06","Non-interest instalments","partial/adverse","C035,C039–C040","Hidden/dual price"],["G4-07","Medical/utility arrears","partial","C028–C030","Late-charge events"],["G4-08","Residential/common-law rent","answered boundary","C025,C038,C059","Actual terms/property"],["G4-09","Natural surety/corporate large debt","answered conditionally","C013,C022,C060","Underlying/novation"],["G4-10","Below-threshold corporate loan","answered conditionally","C010–C013,C031","Related entities"],["G4-11","Corporate equality","answered arithmetic","C012,C055","Correct stated values"],["G4-12","Principal versus total cost","answered arithmetic","C051–C054","§102 capitalisation"],["G4-13","Small mortgage","answered arithmetic","C036,C049","Registered bond"],["G4-14","Four required boundary calculations","answered","Examples A–D","No actual eligibility"]]},{"headers":["Row","Matter","Status","Finding/claims","Exact next action"],"index":10,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Row","Matter","Status","Finding/claims","Exact next action"],["G5-01","P05 D11","partial substantive completion","C001–C068","Apply to actual agreement separately"],["G5-02","Current threshold supersession","partial","C042–C045","Complete Gazette successor audit"],["G5-03","Complete current NCA consolidation","partial","C003","Provision-specific currentness review"],["G5-04","P06/P10/P12","excluded as premises","Provenance hold","Separate review"],["G5-05","2019 debt intervention","excluded","C064","Preserve P02/P03 hold"],["G5-06","No private records","answered","C065","None"],["G5-07","Provinces/localities","unresolved","C066","Territorial rows below"],["G5-08","A066/A097/A098/country","held","C067–C068","Separate complete review"]]},{"headers":["Row","Deferred family","Status","Exact retained question"],"index":11,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Row","Deferred family","Status","Exact retained question"],["D01","Actual agreement interpretation","excluded_with_reason","What are the real parties, terms, charges, security and consideration?"],["D02","Credit-provider registration","excluded_with_reason","Is the actual provider registered or exempt?"],["D03","Debt-counsellor fees/currentness","excluded_with_reason","Preserve P05/P07/P09 holds."],["D04","CPA/ECTA contract and cancellation","excluded_with_reason","Preserve reviewed P08/P11 scope."],["D05","PDA/client money","excluded_with_reason","P06 remains unreviewed."],["D06","Prescription","excluded_with_reason","P12 remains unreviewed."],["D07","NCR/NCT enforcement","excluded_with_reason","P10 remains unreviewed."],["D08","Debt review/over-indebtedness","excluded_with_reason","Classification alone does not establish eligibility."],["D09","Reckless credit","excluded_with_reason","Separate assessment and remedy module."],["D10","Agreement validity/unlawfulness","excluded_with_reason","Separate §§89–90 analysis."],["D11","Disclosure, interest and cost caps","excluded_with_reason","Product classification does not decide lawful pricing."],["D12","Collection/default/enforcement","excluded_with_reason","Separate notices, procedure and court analysis."],["D13","Credit reporting/clearance","excluded_with_reason","Classification is not reporting status."],["D14","Security enforcement/repossession","excluded_with_reason","Mortgage/secured classification is not enforcement result."],["D15","Suretyship/common-law guarantee","excluded_with_reason","Accessory versus independent obligation requires document."],["D16","Insolvency/sequestration/business rescue","excluded_with_reason","Separate statutory actors and effects."],["D17","Tax/VAT","excluded_with_reason","No tax result follows."],["D18","Municipal, medical, rent and utilities substantive law","excluded_with_reason","Only NCA classification boundary addressed."],["D19","Tribal/customary/community arrangements","excluded_with_reason","No customary-law analysis or factual community structure examined."],["D20","Foreign law, currency, recognition and jurisdiction","excluded_with_reason","A098 held."],["D21","Complete current threshold/citator audit","excluded_with_reason","Bounded currentness only."],["D22","Whole-country/A066/A097/A098 acceptance","excluded_with_reason","No acceptance from P13."]]},{"headers":["Row","Province","Status","Exact remaining question"],"index":12,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[]],"rows":[["Row","Province","Status","Exact remaining question"],["T01","Eastern Cape","unresolved","What provincial/local forum and procedure applies to an actual classification dispute?"],["T02","Free State","unresolved","Same forum, procedure and local-law inquiry"],["T03","Gauteng","unresolved","National NCR material does not establish all Gauteng procedural or local rules"],["T04","KwaZulu-Natal","unresolved","No provincial/local body read"],["T05","Limpopo","unresolved","No provincial/local body read"],["T06","Mpumalanga","unresolved","No provincial/local body read"],["T07","Northern Cape","unresolved","No provincial/local body read"],["T08","North West","unresolved","No provincial/local body read"],["T09","Western Cape","unresolved","No provincial/local body read"]]},{"headers":["Candidate","Supported function","Mandatory limitation"],"index":13,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[]],"rows":[["Candidate","Supported function","Mandatory limitation"],["NCA applicability decision tree","Party → arm’s length → nexus → §4 exclusion → §8 type → §9 category → §5/§6 limits","Not an authorisation or enforceability opinion"],["Juristic threshold worksheet","Record asset value, turnover, related entities and agreement date","Must use actual statements and current threshold source"],["Credit-category classifier","Distinguish facility, instalment, mortgage, secured loan, lease, incidental credit and guarantee","Actual agreement terms required"],["Threshold calculator","Apply R15k/R250k equality rules to principal debt or facility limit","Must display currentness hold and exclude total cost unless capitalised"],["Principal-debt worksheet","Separate deferred amount, §102 items, fees and interest","Not a pricing-compliance calculator"],["Guarantee dependency map","Classify underlying facility/transaction before guarantee","Cannot infer independent or accessory status from the label alone"],["Utility/medical-account checklist","Identify statement date, late charge, interest and higher-price trigger","Does not decide sector-specific collection rights"],["Lease-versus-credit checklist","Movable/immovable, payment timing, ownership transfer and charges","Common-law rental may remain outside the NCA lease definition"],["Classification evidence packet","Agreement, amendments, parties, 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PDFP11/GGp22","evidence":[{"URL":"https://www.gov.za/sites/default/files/gcis_document/201409/a34-050_1.pdf","packet":"[internal evidence reference]","chunk":1,"actual_numbered_lines":[[714,728]],"packet_character_bounds":[4237,8265],"access":"fresh_supplied_literal_public_primary_or_official_parsed_text"}],"parsed_text_only":true},{"source_id":"C_ZA-P13-S001","URL":"https://www.gov.za/sites/default/files/gcis_document/201409/a34-050_1.pdf","line_range":[834,838],"scope":"Original secured-loan definition; PDFP13/GGp26","evidence":[{"URL":"https://www.gov.za/sites/default/files/gcis_document/201409/a34-050_1.pdf","packet":"[internal evidence reference]","chunk":3,"actual_numbered_lines":[[834,838]],"packet_character_bounds":[12443,16441],"access":"fresh_supplied_literal_public_primary_or_official_parsed_text"}],"parsed_text_only":true},{"source_id":"C_ZA-P13-S001","URL":"https://www.gov.za/sites/default/files/gcis_document/201409/a34-050_1.pdf","line_range":[895,905],"scope":"Original2(4)-(5) threshold continuity and business-day method; PDFP14/GGp28; no actual deadline calculated","evidence":[{"URL":"https://www.gov.za/sites/default/files/gcis_document/201409/a34-050_1.pdf","packet":"[internal evidence reference]","chunk":4,"actual_numbered_lines":[[895,905]],"packet_character_bounds":[16521,20521],"access":"fresh_supplied_literal_public_primary_or_official_parsed_text"}],"parsed_text_only":true},{"source_id":"C_ZA-P13-S001","URL":"https://www.gov.za/sites/default/files/gcis_document/201409/a34-050_1.pdf","line_range":[3672,3679],"scope":"Original101 principal debt versus initiation fee opening; PDFP69/GGp138","evidence":[{"URL":"https://www.gov.za/sites/default/files/gcis_document/201409/a34-050_1.pdf","packet":"[internal evidence reference]","chunk":2,"actual_numbered_lines":[[3672,3679]],"packet_character_bounds":[10731,15548],"access":"fresh_supplied_literal_public_primary_or_official_parsed_text"}],"parsed_text_only":true},{"source_id":"C_ZA-P13-S001","URL":"https://www.gov.za/sites/default/files/gcis_document/201409/a34-050_1.pdf","line_range":[3714,3740],"scope":"Original102 selected capitalisation/agency/refund qualifications; PDFP70/GGp140, parsed ordering incomplete for omitted list cells, no entire fee-module acceptance","evidence":[{"URL":"https://www.gov.za/sites/default/files/gcis_document/201409/a34-050_1.pdf","packet":"[internal evidence reference]","chunk":6,"actual_numbered_lines":[[3714,3740]],"packet_character_bounds":[24872,28441],"access":"fresh_supplied_literal_public_primary_or_official_parsed_text"}],"parsed_text_only":true}],"fresh_PDFpixels":false,"original_researcher_record_unchanged":true,"exact_fresh_source_open_clock_unknown":true,"not_all_document_current_law_accepted":true,"limits":["Delegated same-coordinator scoped review of saved national classification gateway, never independent/exhaustive/all-source/all-claim/current-law/country/A066/A097/A098/parent acceptance or legal advice. No actual agreement/consumer/provider/entity/registry/licence/case/private record investigated and no new scenario constructed.","Six supplied literal URLs freshly fetched successfully in seven complete unmodified tool packets; zero fresh failed URL events. One entire historical R10proclamation scope reused with complete unchanged ZA6packet/JSON and exact lines, not freshly fetched. Location-only find bodies have empty substantive read bounds. No guessed variants, repeated failure, hidden endpoint/API/security workaround.","All selected PDF evidence is parsed text; zero fresh PDF pixels. Original researcher image/read claims remain original attribution. Original Gazette printed pages versus zero PDF indices remain distinguished. OCR/order artifacts preserved; no whole-document or all-linked-exceptions certification.","Original2006Act is not a complete later consolidation; dtic cover says updated19August2019 with pending2013/2019 amendments and is not certified through October2026.2014mortgage substitutions plus historical2015commencement checked; all later operative amendment/currentness chains held. No uncommenced2019intervention premise adopted.","Notice713 supplies historical1m/15k/250k and original2(4) threshold continuation rule. A successor could change an amount; complete successor search/effective chain not performed, especially15k.2024NCRpresentation corroborates historical1m/250k practice only, not final Gazette/current2026proof. Its exceeding250k guidance phrase is not imported over section9 at-or-above250k statutory equality.","Four original judicial sources S008-S011 remain unreopened researcher attribution. No case query, party investigation, fresh holding/posture check, later citator/adverse authority/current judicial law or actual-application acceptance. S009/S010URL-year inconsistencies and original judgment access/image limits remain visible. S012catalogue remains unreopened index-only, no absence/supersession proof.","Party role, arm-length/nexus/exclusions, related-juristic/control/date/stated-assets-or-turnover, section8types, section9amounts and section5/6partial application are separate gates. Natural business purpose alone does not prove the actual contracting actor; foreign provider alone does not prove exclusion. Qualifying approved-foreign/stateconsumer/SARBprovider/public-provider distinctions retain actual-fact holds.","Section5 incidental is limited coverage, not blanket exclusion; exact surviving provisions/deemed20businessdays/full-settlement/disclosure qualifications compared only at scoped bodies. No actual calendar date/deadline, fee entitlement, whole103charge/rate/currentregulation analysis, procedural service or real charge calculation established.","Section6 juristic limited application retains its specified Chapter4/5 carveouts; no automatic debt review/reckless-credit entitlement. Section8 named-category elements, property/security/registeredmortgage/movableownership/charge/fee/interest and utility30day conditions remain agreement-specific. No large-facility cap invented from250k; no independent guarantee amount category invented to cure literal section9 drafting gap.","Principal101amountdeferred plus qualifying102items differs total payments. No separatefee/interest automatically capitalised.102eligibility/service/consumer choice/agent/options conditions remain required; selected list is not a complete modern fee-module audit. No currentfee/PDA/refund/VAT/tax/interest-cap/registration/collection/validity/enforceability conclusion adopted.","All13existing workflows and5existing boundary examples read. Only supplied Decimal sums/inequalities and stated predicate branches checked; no new monetary input/profile/scenario. Mechanical arithmetic does not establish legal qualification, current threshold, actual relief/permission or real deadline. Nonmaterial headings12/4 versus actual13/5 and shortC14pointer annotated without raw alteration.","All115coverage rows reconciled as84core+22deferred+9provinces; all original status/next-question cells retained. D11 only partially substantively addressed. Fullfees/CPAECTA/privatecontract/PDAfundflow/prescription/enforcement/registration/creditreporting/specialdebts/insolvency/tax/customary/foreignrecognition/debtintervention/current thresholdchain/localprocedure/allnineprovinces/country/parent remain held.","Exact supplied P05D11 remaining row equals current original research row plus preserved coordinator metadata; P05 same-coordinator fee/currentness/contract/territorial limits retained. Historical then-unreviewed P06/P10/P12 context preserved; current statuses observed separately. P06twoUNSENT andP10oneUNSENT findings not accepted as foundation; no unrelated later-pass premise adopted.","Only exclusive P13 coordinator overlays/status/review artifacts written. No shared parent/history/index/register/tasks/route/model/automation mutation. Parent-history proposal only in completion. NewChatGPTprompts/correctionSends/modelprobes/browser/CUA/tabs/HUMANaccess/APIs/accounts/purchases/contacts/filings/privateinvestigation/researchgeneration/furtheragents remain paused/not performed."]}},{"source_id":"C_ZA-S002","urls":["https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf"],"researcher_record":{"Source ID":"S002","Issuer, title and complete literal HTTPS URL":"dtic, National Credit Act 34 of 2005 dated amended compilation. https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf","Exact material read and locator":"Definitions zero P7–P11; §2 P13; §§4–5 P14–P16; §§6–9 P16–P17; §101 P71. No reliable original Gazette printed-page mapping for compilation.","Status, commencement and limits":"Fresh integrated body and relevant images read. Displays pending 2019 provisions and is not certified as a complete October 2026 consolidation. \nDTIC\n+4"},"coordinator_verification_status":"selected_fresh_official_parsed_body_checked_with_limits","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_annotation":{"stored_source_id":"C_ZA-S002","contextual_pass_source_alias":"C_ZA-P13-S002","URL":"https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf","status":"selected_fresh_official_parsed_body_checked_with_limits","selected_scopes":[{"source_id":"C_ZA-P13-S002","URL":"https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf","line_range":[0,43],"scope":"Dated dtic compilation cover2019updated/pending2013and2019labels, not2026certification","evidence":[{"URL":"https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf","packet":"[internal evidence reference]","chunk":4,"actual_numbered_lines":[[0,43]],"packet_character_bounds":[20715,24174],"access":"fresh_supplied_literal_public_primary_or_official_parsed_text"}],"parsed_text_only":true},{"source_id":"C_ZA-P13-S002","URL":"https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf","line_range":[3700,3742],"scope":"Dtic compiled101 and102 opening: deferred principal/item distinction and separatefee/interest, selected capitalisation only; PDFP71","evidence":[{"URL":"https://www.thedtic.gov.za/wp-content/uploads/National_Credit_Act34of2005.pdf","packet":"[internal evidence reference]","chunk":3,"actual_numbered_lines":[[3700,3742]],"packet_character_bounds":[15628,20635],"access":"fresh_supplied_literal_public_primary_or_official_parsed_text"}],"parsed_text_only":true}],"fresh_PDFpixels":false,"original_researcher_record_unchanged":true,"exact_fresh_source_open_clock_unknown":true,"not_all_document_current_law_accepted":true,"limits":["Delegated same-coordinator scoped review of saved national classification gateway, never independent/exhaustive/all-source/all-claim/current-law/country/A066/A097/A098/parent acceptance or legal advice. No actual agreement/consumer/provider/entity/registry/licence/case/private record investigated and no new scenario constructed.","Six supplied literal URLs freshly fetched successfully in seven complete unmodified tool packets; zero fresh failed URL events. One entire historical R10proclamation scope reused with complete unchanged ZA6packet/JSON and exact lines, not freshly fetched. Location-only find bodies have empty substantive read bounds. No guessed variants, repeated failure, hidden endpoint/API/security workaround.","All selected PDF evidence is parsed text; zero fresh PDF pixels. Original researcher image/read claims remain original attribution. Original Gazette printed pages versus zero PDF indices remain distinguished. OCR/order artifacts preserved; no whole-document or all-linked-exceptions certification.","Original2006Act is not a complete later consolidation; dtic cover says updated19August2019 with pending2013/2019 amendments and is not certified through October2026.2014mortgage substitutions plus historical2015commencement checked; all later operative amendment/currentness chains held. No uncommenced2019intervention premise adopted.","Notice713 supplies historical1m/15k/250k and original2(4) threshold continuation rule. A successor could change an amount; complete successor search/effective chain not performed, especially15k.2024NCRpresentation corroborates historical1m/250k practice only, not final Gazette/current2026proof. Its exceeding250k guidance phrase is not imported over section9 at-or-above250k statutory equality.","Four original judicial sources S008-S011 remain unreopened researcher attribution. No case query, party investigation, fresh holding/posture check, later citator/adverse authority/current judicial law or actual-application acceptance. S009/S010URL-year inconsistencies and original judgment access/image limits remain visible. S012catalogue remains unreopened index-only, no absence/supersession proof.","Party role, arm-length/nexus/exclusions, related-juristic/control/date/stated-assets-or-turnover, section8types, section9amounts and section5/6partial application are separate gates. Natural business purpose alone does not prove the actual contracting actor; foreign provider alone does not prove exclusion. Qualifying approved-foreign/stateconsumer/SARBprovider/public-provider distinctions retain actual-fact holds.","Section5 incidental is limited coverage, not blanket exclusion; exact surviving provisions/deemed20businessdays/full-settlement/disclosure qualifications compared only at scoped bodies. No actual calendar date/deadline, fee entitlement, whole103charge/rate/currentregulation analysis, procedural service or real charge calculation established.","Section6 juristic limited application retains its specified Chapter4/5 carveouts; no automatic debt review/reckless-credit entitlement. Section8 named-category elements, property/security/registeredmortgage/movableownership/charge/fee/interest and utility30day conditions remain agreement-specific. No large-facility cap invented from250k; no independent guarantee amount category invented to cure literal section9 drafting gap.","Principal101amountdeferred plus qualifying102items differs total payments. No separatefee/interest automatically capitalised.102eligibility/service/consumer choice/agent/options conditions remain required; selected list is not a complete modern fee-module audit. No currentfee/PDA/refund/VAT/tax/interest-cap/registration/collection/validity/enforceability conclusion adopted.","All13existing workflows and5existing boundary examples read. Only supplied Decimal sums/inequalities and stated predicate branches checked; no new monetary input/profile/scenario. Mechanical arithmetic does not establish legal qualification, current threshold, actual relief/permission or real deadline. Nonmaterial headings12/4 versus actual13/5 and shortC14pointer annotated without raw alteration.","All115coverage rows reconciled as84core+22deferred+9provinces; all original status/next-question cells retained. D11 only partially substantively addressed. Fullfees/CPAECTA/privatecontract/PDAfundflow/prescription/enforcement/registration/creditreporting/specialdebts/insolvency/tax/customary/foreignrecognition/debtintervention/current thresholdchain/localprocedure/allnineprovinces/country/parent remain held.","Exact supplied P05D11 remaining row equals current original research row plus preserved coordinator metadata; P05 same-coordinator fee/currentness/contract/territorial limits retained. Historical then-unreviewed P06/P10/P12 context preserved; current statuses observed separately. P06twoUNSENT andP10oneUNSENT findings not accepted as foundation; no unrelated later-pass premise adopted.","Only exclusive P13 coordinator overlays/status/review artifacts written. No shared parent/history/index/register/tasks/route/model/automation mutation. Parent-history proposal only in completion. NewChatGPTprompts/correctionSends/modelprobes/browser/CUA/tabs/HUMANaccess/APIs/accounts/purchases/contacts/filings/privateinvestigation/researchgeneration/furtheragents remain paused/not performed."]}},{"source_id":"C_ZA-S003","urls":["https://www.gov.za/documents/national-credit-act"],"researcher_record":{"Source ID":"S003","Issuer, title and complete literal HTTPS URL":"South African Government, National Credit Act 34 of 2005 legislative record. https://www.gov.za/documents/national-credit-act","Exact material read and locator":"HTML commencement entries and amendment metadata; PDF index not applicable.","Status, commencement and limits":"Fresh official metadata read. Confirms §§1–11 commenced 1 June 2006 and identifies later amendment Acts. Not a substitute for section text. \nSouth African Government"},"coordinator_verification_status":"selected_fresh_official_parsed_body_checked_with_limits","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_annotation":{"stored_source_id":"C_ZA-S003","contextual_pass_source_alias":"C_ZA-P13-S003","URL":"https://www.gov.za/documents/national-credit-act","status":"selected_fresh_official_parsed_body_checked_with_limits","selected_scopes":[{"source_id":"C_ZA-P13-S003","URL":"https://www.gov.za/documents/national-credit-act","line_range":[70,80],"scope":"Official legislative record staged commencement and amendment index metadata only","evidence":[{"URL":"https://www.gov.za/documents/national-credit-act","packet":"[internal evidence reference]","chunk":2,"actual_numbered_lines":[[70,80]],"packet_character_bounds":[10949,15103],"access":"fresh_supplied_literal_public_primary_or_official_parsed_text"}],"parsed_text_only":true}],"fresh_PDFpixels":false,"original_researcher_record_unchanged":true,"exact_fresh_source_open_clock_unknown":true,"not_all_document_current_law_accepted":true,"limits":["Delegated same-coordinator scoped review of saved national classification gateway, never independent/exhaustive/all-source/all-claim/current-law/country/A066/A097/A098/parent acceptance or legal advice. No actual agreement/consumer/provider/entity/registry/licence/case/private record investigated and no new scenario constructed.","Six supplied literal URLs freshly fetched successfully in seven complete unmodified tool packets; zero fresh failed URL events. One entire historical R10proclamation scope reused with complete unchanged ZA6packet/JSON and exact lines, not freshly fetched. Location-only find bodies have empty substantive read bounds. No guessed variants, repeated failure, hidden endpoint/API/security workaround.","All selected PDF evidence is parsed text; zero fresh PDF pixels. Original researcher image/read claims remain original attribution. Original Gazette printed pages versus zero PDF indices remain distinguished. OCR/order artifacts preserved; no whole-document or all-linked-exceptions certification.","Original2006Act is not a complete later consolidation; dtic cover says updated19August2019 with pending2013/2019 amendments and is not certified through October2026.2014mortgage substitutions plus historical2015commencement checked; all later operative amendment/currentness chains held. No uncommenced2019intervention premise adopted.","Notice713 supplies historical1m/15k/250k and original2(4) threshold continuation rule. A successor could change an amount; complete successor search/effective chain not performed, especially15k.2024NCRpresentation corroborates historical1m/250k practice only, not final Gazette/current2026proof. Its exceeding250k guidance phrase is not imported over section9 at-or-above250k statutory equality.","Four original judicial sources S008-S011 remain unreopened researcher attribution. No case query, party investigation, fresh holding/posture check, later citator/adverse authority/current judicial law or actual-application acceptance. S009/S010URL-year inconsistencies and original judgment access/image limits remain visible. S012catalogue remains unreopened index-only, no absence/supersession proof.","Party role, arm-length/nexus/exclusions, related-juristic/control/date/stated-assets-or-turnover, section8types, section9amounts and section5/6partial application are separate gates. Natural business purpose alone does not prove the actual contracting actor; foreign provider alone does not prove exclusion. Qualifying approved-foreign/stateconsumer/SARBprovider/public-provider distinctions retain actual-fact holds.","Section5 incidental is limited coverage, not blanket exclusion; exact surviving provisions/deemed20businessdays/full-settlement/disclosure qualifications compared only at scoped bodies. No actual calendar date/deadline, fee entitlement, whole103charge/rate/currentregulation analysis, procedural service or real charge calculation established.","Section6 juristic limited application retains its specified Chapter4/5 carveouts; no automatic debt review/reckless-credit entitlement. Section8 named-category elements, property/security/registeredmortgage/movableownership/charge/fee/interest and utility30day conditions remain agreement-specific. No large-facility cap invented from250k; no independent guarantee amount category invented to cure literal section9 drafting gap.","Principal101amountdeferred plus qualifying102items differs total payments. No separatefee/interest automatically capitalised.102eligibility/service/consumer choice/agent/options conditions remain required; selected list is not a complete modern fee-module audit. No currentfee/PDA/refund/VAT/tax/interest-cap/registration/collection/validity/enforceability conclusion adopted.","All13existing workflows and5existing boundary examples read. Only supplied Decimal sums/inequalities and stated predicate branches checked; no new monetary input/profile/scenario. Mechanical arithmetic does not establish legal qualification, current threshold, actual relief/permission or real deadline. Nonmaterial headings12/4 versus actual13/5 and shortC14pointer annotated without raw alteration.","All115coverage rows reconciled as84core+22deferred+9provinces; all original status/next-question cells retained. D11 only partially substantively addressed. Fullfees/CPAECTA/privatecontract/PDAfundflow/prescription/enforcement/registration/creditreporting/specialdebts/insolvency/tax/customary/foreignrecognition/debtintervention/current thresholdchain/localprocedure/allnineprovinces/country/parent remain held.","Exact supplied P05D11 remaining row equals current original research row plus preserved coordinator metadata; P05 same-coordinator fee/currentness/contract/territorial limits retained. Historical then-unreviewed P06/P10/P12 context preserved; current statuses observed separately. P06twoUNSENT andP10oneUNSENT findings not accepted as foundation; no unrelated later-pass premise adopted.","Only exclusive P13 coordinator overlays/status/review artifacts written. No shared parent/history/index/register/tasks/route/model/automation mutation. Parent-history proposal only in completion. NewChatGPTprompts/correctionSends/modelprobes/browser/CUA/tabs/HUMANaccess/APIs/accounts/purchases/contacts/filings/privateinvestigation/researchgeneration/furtheragents remain paused/not performed."]}},{"source_id":"C_ZA-S004","urls":["https://www.gov.za/sites/default/files/gcis_document/201409/37665gon389.pdf"],"researcher_record":{"Source ID":"S004","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 material read and locator":"Mortgage and mortgage-agreement substitutions, zero P1 / printed GG p2; linked definitions surrounding clause 1.","Status, commencement and limits":"Fresh enacted body and page image read. Commencement established separately by S005. \nSouth African Government\n+1"},"coordinator_verification_status":"selected_fresh_official_parsed_body_checked_with_limits","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_annotation":{"stored_source_id":"C_ZA-S004","contextual_pass_source_alias":"C_ZA-P13-S004","URL":"https://www.gov.za/sites/default/files/gcis_document/201409/37665gon389.pdf","status":"selected_fresh_official_parsed_body_checked_with_limits","selected_scopes":[{"source_id":"C_ZA-P13-S004","URL":"https://www.gov.za/sites/default/files/gcis_document/201409/37665gon389.pdf","line_range":[43,52],"scope":"2014 Act clause1 mortgage/registeredbond substitutions; PDFP1/GGp2, not all later amendments","evidence":[{"URL":"https://www.gov.za/sites/default/files/gcis_document/201409/37665gon389.pdf","packet":"[internal evidence reference]","chunk":3,"actual_numbered_lines":[[43,52]],"packet_character_bounds":[22959,24908],"access":"fresh_supplied_literal_public_primary_or_official_parsed_text"}],"parsed_text_only":true}],"fresh_PDFpixels":false,"original_researcher_record_unchanged":true,"exact_fresh_source_open_clock_unknown":true,"not_all_document_current_law_accepted":true,"limits":["Delegated same-coordinator scoped review of saved national classification gateway, never independent/exhaustive/all-source/all-claim/current-law/country/A066/A097/A098/parent acceptance or legal advice. No actual agreement/consumer/provider/entity/registry/licence/case/private record investigated and no new scenario constructed.","Six supplied literal URLs freshly fetched successfully in seven complete unmodified tool packets; zero fresh failed URL events. One entire historical R10proclamation scope reused with complete unchanged ZA6packet/JSON and exact lines, not freshly fetched. Location-only find bodies have empty substantive read bounds. No guessed variants, repeated failure, hidden endpoint/API/security workaround.","All selected PDF evidence is parsed text; zero fresh PDF pixels. Original researcher image/read claims remain original attribution. Original Gazette printed pages versus zero PDF indices remain distinguished. OCR/order artifacts preserved; no whole-document or all-linked-exceptions certification.","Original2006Act is not a complete later consolidation; dtic cover says updated19August2019 with pending2013/2019 amendments and is not certified through October2026.2014mortgage substitutions plus historical2015commencement checked; all later operative amendment/currentness chains held. No uncommenced2019intervention premise adopted.","Notice713 supplies historical1m/15k/250k and original2(4) threshold continuation rule. A successor could change an amount; complete successor search/effective chain not performed, especially15k.2024NCRpresentation corroborates historical1m/250k practice only, not final Gazette/current2026proof. Its exceeding250k guidance phrase is not imported over section9 at-or-above250k statutory equality.","Four original judicial sources S008-S011 remain unreopened researcher attribution. No case query, party investigation, fresh holding/posture check, later citator/adverse authority/current judicial law or actual-application acceptance. S009/S010URL-year inconsistencies and original judgment access/image limits remain visible. S012catalogue remains unreopened index-only, no absence/supersession proof.","Party role, arm-length/nexus/exclusions, related-juristic/control/date/stated-assets-or-turnover, section8types, section9amounts and section5/6partial application are separate gates. Natural business purpose alone does not prove the actual contracting actor; foreign provider alone does not prove exclusion. Qualifying approved-foreign/stateconsumer/SARBprovider/public-provider distinctions retain actual-fact holds.","Section5 incidental is limited coverage, not blanket exclusion; exact surviving provisions/deemed20businessdays/full-settlement/disclosure qualifications compared only at scoped bodies. No actual calendar date/deadline, fee entitlement, whole103charge/rate/currentregulation analysis, procedural service or real charge calculation established.","Section6 juristic limited application retains its specified Chapter4/5 carveouts; no automatic debt review/reckless-credit entitlement. Section8 named-category elements, property/security/registeredmortgage/movableownership/charge/fee/interest and utility30day conditions remain agreement-specific. No large-facility cap invented from250k; no independent guarantee amount category invented to cure literal section9 drafting gap.","Principal101amountdeferred plus qualifying102items differs total payments. No separatefee/interest automatically capitalised.102eligibility/service/consumer choice/agent/options conditions remain required; selected list is not a complete modern fee-module audit. No currentfee/PDA/refund/VAT/tax/interest-cap/registration/collection/validity/enforceability conclusion adopted.","All13existing workflows and5existing boundary examples read. Only supplied Decimal sums/inequalities and stated predicate branches checked; no new monetary input/profile/scenario. Mechanical arithmetic does not establish legal qualification, current threshold, actual relief/permission or real deadline. Nonmaterial headings12/4 versus actual13/5 and shortC14pointer annotated without raw alteration.","All115coverage rows reconciled as84core+22deferred+9provinces; all original status/next-question cells retained. D11 only partially substantively addressed. Fullfees/CPAECTA/privatecontract/PDAfundflow/prescription/enforcement/registration/creditreporting/specialdebts/insolvency/tax/customary/foreignrecognition/debtintervention/current thresholdchain/localprocedure/allnineprovinces/country/parent remain held.","Exact supplied P05D11 remaining row equals current original research row plus preserved coordinator metadata; P05 same-coordinator fee/currentness/contract/territorial limits retained. Historical then-unreviewed P06/P10/P12 context preserved; current statuses observed separately. P06twoUNSENT andP10oneUNSENT findings not accepted as foundation; no unrelated later-pass premise adopted.","Only exclusive P13 coordinator overlays/status/review artifacts written. No shared parent/history/index/register/tasks/route/model/automation mutation. Parent-history proposal only in completion. NewChatGPTprompts/correctionSends/modelprobes/browser/CUA/tabs/HUMANaccess/APIs/accounts/purchases/contacts/filings/privateinvestigation/researchgeneration/furtheragents remain paused/not performed."]}},{"source_id":"C_ZA-S005","urls":["https://www.gov.za/sites/default/files/gcis_document/201503/38557reg10382pro10.pdf"],"researcher_record":{"Source ID":"S005","Issuer, title and complete literal HTTPS URL":"President, Commencement of the National Credit Amendment Act 19 of 2014, Proclamation R.10 of 2015, GG38557. https://www.gov.za/sites/default/files/gcis_document/201503/38557reg10382pro10.pdf","Exact material read and locator":"Entire proclamation, zero P0 / printed GG p3.","Status, commencement and limits":"Precisely attributable prior primary source and operative commencement body. Commenced Act 19/2014 on 13 March 2015. Not the 2019 amendment proclamation."},"coordinator_verification_status":"dated_primary_ZA6_reuse_only","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_annotation":{"stored_source_id":"C_ZA-S005","contextual_pass_source_alias":"C_ZA-P13-S005","URL":"https://www.gov.za/sites/default/files/gcis_document/201503/38557reg10382pro10.pdf","status":"dated_primary_ZA6_reuse_only","selected_scopes":[{"source_id":"C_ZA-P13-S005","URL":"https://www.gov.za/sites/default/files/gcis_document/201503/38557reg10382pro10.pdf","line_range":[0,15],"scope":"Entire historical R10/2015 proclamation; PDFP0/GGp3; exact dated ZA6 reuse, not fresh fetch","evidence":[{"URL":"https://www.gov.za/sites/default/files/gcis_document/201503/38557reg10382pro10.pdf","packet":"[internal evidence reference]","chunk":2,"actual_numbered_lines":[[0,15]],"packet_character_bounds":[16929,18133],"access":"dated_attributable_ZA6_parsed_reuse"}],"parsed_text_only":true}],"fresh_PDFpixels":false,"original_researcher_record_unchanged":true,"exact_fresh_source_open_clock_unknown":true,"not_all_document_current_law_accepted":true,"limits":["Delegated same-coordinator scoped review of saved national classification gateway, never independent/exhaustive/all-source/all-claim/current-law/country/A066/A097/A098/parent acceptance or legal advice. No actual agreement/consumer/provider/entity/registry/licence/case/private record investigated and no new scenario constructed.","Six supplied literal URLs freshly fetched successfully in seven complete unmodified tool packets; zero fresh failed URL events. One entire historical R10proclamation scope reused with complete unchanged ZA6packet/JSON and exact lines, not freshly fetched. Location-only find bodies have empty substantive read bounds. No guessed variants, repeated failure, hidden endpoint/API/security workaround.","All selected PDF evidence is parsed text; zero fresh PDF pixels. Original researcher image/read claims remain original attribution. Original Gazette printed pages versus zero PDF indices remain distinguished. OCR/order artifacts preserved; no whole-document or all-linked-exceptions certification.","Original2006Act is not a complete later consolidation; dtic cover says updated19August2019 with pending2013/2019 amendments and is not certified through October2026.2014mortgage substitutions plus historical2015commencement checked; all later operative amendment/currentness chains held. No uncommenced2019intervention premise adopted.","Notice713 supplies historical1m/15k/250k and original2(4) threshold continuation rule. A successor could change an amount; complete successor search/effective chain not performed, especially15k.2024NCRpresentation corroborates historical1m/250k practice only, not final Gazette/current2026proof. Its exceeding250k guidance phrase is not imported over section9 at-or-above250k statutory equality.","Four original judicial sources S008-S011 remain unreopened researcher attribution. No case query, party investigation, fresh holding/posture check, later citator/adverse authority/current judicial law or actual-application acceptance. S009/S010URL-year inconsistencies and original judgment access/image limits remain visible. S012catalogue remains unreopened index-only, no absence/supersession proof.","Party role, arm-length/nexus/exclusions, related-juristic/control/date/stated-assets-or-turnover, section8types, section9amounts and section5/6partial application are separate gates. Natural business purpose alone does not prove the actual contracting actor; foreign provider alone does not prove exclusion. Qualifying approved-foreign/stateconsumer/SARBprovider/public-provider distinctions retain actual-fact holds.","Section5 incidental is limited coverage, not blanket exclusion; exact surviving provisions/deemed20businessdays/full-settlement/disclosure qualifications compared only at scoped bodies. No actual calendar date/deadline, fee entitlement, whole103charge/rate/currentregulation analysis, procedural service or real charge calculation established.","Section6 juristic limited application retains its specified Chapter4/5 carveouts; no automatic debt review/reckless-credit entitlement. Section8 named-category elements, property/security/registeredmortgage/movableownership/charge/fee/interest and utility30day conditions remain agreement-specific. No large-facility cap invented from250k; no independent guarantee amount category invented to cure literal section9 drafting gap.","Principal101amountdeferred plus qualifying102items differs total payments. No separatefee/interest automatically capitalised.102eligibility/service/consumer choice/agent/options conditions remain required; selected list is not a complete modern fee-module audit. No currentfee/PDA/refund/VAT/tax/interest-cap/registration/collection/validity/enforceability conclusion adopted.","All13existing workflows and5existing boundary examples read. Only supplied Decimal sums/inequalities and stated predicate branches checked; no new monetary input/profile/scenario. Mechanical arithmetic does not establish legal qualification, current threshold, actual relief/permission or real deadline. Nonmaterial headings12/4 versus actual13/5 and shortC14pointer annotated without raw alteration.","All115coverage rows reconciled as84core+22deferred+9provinces; all original status/next-question cells retained. D11 only partially substantively addressed. Fullfees/CPAECTA/privatecontract/PDAfundflow/prescription/enforcement/registration/creditreporting/specialdebts/insolvency/tax/customary/foreignrecognition/debtintervention/current thresholdchain/localprocedure/allnineprovinces/country/parent remain held.","Exact supplied P05D11 remaining row equals current original research row plus preserved coordinator metadata; P05 same-coordinator fee/currentness/contract/territorial limits retained. Historical then-unreviewed P06/P10/P12 context preserved; current statuses observed separately. P06twoUNSENT andP10oneUNSENT findings not accepted as foundation; no unrelated later-pass premise adopted.","Only exclusive P13 coordinator overlays/status/review artifacts written. No shared parent/history/index/register/tasks/route/model/automation mutation. Parent-history proposal only in completion. NewChatGPTprompts/correctionSends/modelprobes/browser/CUA/tabs/HUMANaccess/APIs/accounts/purchases/contacts/filings/privateinvestigation/researchgeneration/furtheragents remain paused/not performed."]}},{"source_id":"C_ZA-S006","urls":["https://www.gov.za/sites/default/files/gcis_document/201409/28893.pdf"],"researcher_record":{"Source ID":"S006","Issuer, title and complete literal HTTPS URL":"Minister of Trade and Industry, Determination of Thresholds, Notice 713, GG28893, 1 June 2006. https://www.gov.za/sites/default/files/gcis_document/201409/28893.pdf","Exact material read and locator":"Entire notice: zero P0 / printed GG p3.","Status, commencement and limits":"Fresh final gazetted threshold body and image read. Establishes R1m/R15k/R250k figures. Later supersession not exhaustively excluded. \nSouth African Government"},"coordinator_verification_status":"selected_fresh_official_parsed_body_checked_with_limits","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_annotation":{"stored_source_id":"C_ZA-S006","contextual_pass_source_alias":"C_ZA-P13-S006","URL":"https://www.gov.za/sites/default/files/gcis_document/201409/28893.pdf","status":"selected_fresh_official_parsed_body_checked_with_limits","selected_scopes":[{"source_id":"C_ZA-P13-S006","URL":"https://www.gov.za/sites/default/files/gcis_document/201409/28893.pdf","line_range":[0,32],"scope":"Entire Notice713/2006 threshold instrument; PDFP0/GGp3. Only1m/15k/250k used; later provider-registration amount not adopted","evidence":[{"URL":"https://www.gov.za/sites/default/files/gcis_document/201409/28893.pdf","packet":"[internal evidence reference]","chunk":1,"actual_numbered_lines":[[0,32]],"packet_character_bounds":[9025,10869],"access":"fresh_supplied_literal_public_primary_or_official_parsed_text"}],"parsed_text_only":true}],"fresh_PDFpixels":false,"original_researcher_record_unchanged":true,"exact_fresh_source_open_clock_unknown":true,"not_all_document_current_law_accepted":true,"limits":["Delegated same-coordinator scoped review of saved national classification gateway, never independent/exhaustive/all-source/all-claim/current-law/country/A066/A097/A098/parent acceptance or legal advice. No actual agreement/consumer/provider/entity/registry/licence/case/private record investigated and no new scenario constructed.","Six supplied literal URLs freshly fetched successfully in seven complete unmodified tool packets; zero fresh failed URL events. One entire historical R10proclamation scope reused with complete unchanged ZA6packet/JSON and exact lines, not freshly fetched. Location-only find bodies have empty substantive read bounds. No guessed variants, repeated failure, hidden endpoint/API/security workaround.","All selected PDF evidence is parsed text; zero fresh PDF pixels. Original researcher image/read claims remain original attribution. Original Gazette printed pages versus zero PDF indices remain distinguished. OCR/order artifacts preserved; no whole-document or all-linked-exceptions certification.","Original2006Act is not a complete later consolidation; dtic cover says updated19August2019 with pending2013/2019 amendments and is not certified through October2026.2014mortgage substitutions plus historical2015commencement checked; all later operative amendment/currentness chains held. No uncommenced2019intervention premise adopted.","Notice713 supplies historical1m/15k/250k and original2(4) threshold continuation rule. A successor could change an amount; complete successor search/effective chain not performed, especially15k.2024NCRpresentation corroborates historical1m/250k practice only, not final Gazette/current2026proof. Its exceeding250k guidance phrase is not imported over section9 at-or-above250k statutory equality.","Four original judicial sources S008-S011 remain unreopened researcher attribution. No case query, party investigation, fresh holding/posture check, later citator/adverse authority/current judicial law or actual-application acceptance. S009/S010URL-year inconsistencies and original judgment access/image limits remain visible. S012catalogue remains unreopened index-only, no absence/supersession proof.","Party role, arm-length/nexus/exclusions, related-juristic/control/date/stated-assets-or-turnover, section8types, section9amounts and section5/6partial application are separate gates. Natural business purpose alone does not prove the actual contracting actor; foreign provider alone does not prove exclusion. Qualifying approved-foreign/stateconsumer/SARBprovider/public-provider distinctions retain actual-fact holds.","Section5 incidental is limited coverage, not blanket exclusion; exact surviving provisions/deemed20businessdays/full-settlement/disclosure qualifications compared only at scoped bodies. No actual calendar date/deadline, fee entitlement, whole103charge/rate/currentregulation analysis, procedural service or real charge calculation established.","Section6 juristic limited application retains its specified Chapter4/5 carveouts; no automatic debt review/reckless-credit entitlement. Section8 named-category elements, property/security/registeredmortgage/movableownership/charge/fee/interest and utility30day conditions remain agreement-specific. No large-facility cap invented from250k; no independent guarantee amount category invented to cure literal section9 drafting gap.","Principal101amountdeferred plus qualifying102items differs total payments. No separatefee/interest automatically capitalised.102eligibility/service/consumer choice/agent/options conditions remain required; selected list is not a complete modern fee-module audit. No currentfee/PDA/refund/VAT/tax/interest-cap/registration/collection/validity/enforceability conclusion adopted.","All13existing workflows and5existing boundary examples read. Only supplied Decimal sums/inequalities and stated predicate branches checked; no new monetary input/profile/scenario. Mechanical arithmetic does not establish legal qualification, current threshold, actual relief/permission or real deadline. Nonmaterial headings12/4 versus actual13/5 and shortC14pointer annotated without raw alteration.","All115coverage rows reconciled as84core+22deferred+9provinces; all original status/next-question cells retained. D11 only partially substantively addressed. Fullfees/CPAECTA/privatecontract/PDAfundflow/prescription/enforcement/registration/creditreporting/specialdebts/insolvency/tax/customary/foreignrecognition/debtintervention/current thresholdchain/localprocedure/allnineprovinces/country/parent remain held.","Exact supplied P05D11 remaining row equals current original research row plus preserved coordinator metadata; P05 same-coordinator fee/currentness/contract/territorial limits retained. Historical then-unreviewed P06/P10/P12 context preserved; current statuses observed separately. P06twoUNSENT andP10oneUNSENT findings not accepted as foundation; no unrelated later-pass premise adopted.","Only exclusive P13 coordinator overlays/status/review artifacts written. No shared parent/history/index/register/tasks/route/model/automation mutation. Parent-history proposal only in completion. NewChatGPTprompts/correctionSends/modelprobes/browser/CUA/tabs/HUMANaccess/APIs/accounts/purchases/contacts/filings/privateinvestigation/researchgeneration/furtheragents remain paused/not performed."]}},{"source_id":"C_ZA-S007","urls":["https://www.thedtic.gov.za/wp-content/uploads/NCR-PC-Trade-SC-Finance.pdf"],"researcher_record":{"Source ID":"S007","Issuer, title and complete literal HTTPS URL":"National Credit Regulator/dtic, Application of the National Credit Act 34 of 2005, presentation to parliamentary committees, 22 November 2024. https://www.thedtic.gov.za/wp-content/uploads/NCR-PC-Trade-SC-Finance.pdf","Exact material read and locator":"Threshold slides: zero P6–P7 / presentation slides 7–8.","Status, commencement and limits":"Fresh official regulator presentation and images read. Corroborates R1m and R250k use in 2024 and describes proposed reform. Guidance/presentation, not a threshold Gazette. \nDTIC\n+1"},"coordinator_verification_status":"selected_fresh_official_parsed_body_checked_with_limits","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_annotation":{"stored_source_id":"C_ZA-S007","contextual_pass_source_alias":"C_ZA-P13-S007","URL":"https://www.thedtic.gov.za/wp-content/uploads/NCR-PC-Trade-SC-Finance.pdf","status":"selected_fresh_official_parsed_body_checked_with_limits","selected_scopes":[{"source_id":"C_ZA-P13-S007","URL":"https://www.thedtic.gov.za/wp-content/uploads/NCR-PC-Trade-SC-Finance.pdf","line_range":[0,8],"scope":"NCR presentation title/date22November2024","evidence":[{"URL":"https://www.thedtic.gov.za/wp-content/uploads/NCR-PC-Trade-SC-Finance.pdf","packet":"[internal evidence reference]","chunk":3,"actual_numbered_lines":[[0,8]],"packet_character_bounds":[15183,23546],"access":"fresh_supplied_literal_public_primary_or_official_parsed_text"}],"parsed_text_only":true},{"source_id":"C_ZA-P13-S007","URL":"https://www.thedtic.gov.za/wp-content/uploads/NCR-PC-Trade-SC-Finance.pdf","line_range":[66,86],"scope":"NCR dated threshold guidance PDFP6-7; not Gazette/current2026proof. Its exceeding250k phrase does not displace statutory at-or-above equality","evidence":[{"URL":"https://www.thedtic.gov.za/wp-content/uploads/NCR-PC-Trade-SC-Finance.pdf","packet":"[internal evidence reference]","chunk":3,"actual_numbered_lines":[[66,86]],"packet_character_bounds":[15183,23546],"access":"fresh_supplied_literal_public_primary_or_official_parsed_text"}],"parsed_text_only":true}],"fresh_PDFpixels":false,"original_researcher_record_unchanged":true,"exact_fresh_source_open_clock_unknown":true,"not_all_document_current_law_accepted":true,"limits":["Delegated same-coordinator scoped review of saved national classification gateway, never independent/exhaustive/all-source/all-claim/current-law/country/A066/A097/A098/parent acceptance or legal advice. No actual agreement/consumer/provider/entity/registry/licence/case/private record investigated and no new scenario constructed.","Six supplied literal URLs freshly fetched successfully in seven complete unmodified tool packets; zero fresh failed URL events. One entire historical R10proclamation scope reused with complete unchanged ZA6packet/JSON and exact lines, not freshly fetched. Location-only find bodies have empty substantive read bounds. No guessed variants, repeated failure, hidden endpoint/API/security workaround.","All selected PDF evidence is parsed text; zero fresh PDF pixels. Original researcher image/read claims remain original attribution. Original Gazette printed pages versus zero PDF indices remain distinguished. OCR/order artifacts preserved; no whole-document or all-linked-exceptions certification.","Original2006Act is not a complete later consolidation; dtic cover says updated19August2019 with pending2013/2019 amendments and is not certified through October2026.2014mortgage substitutions plus historical2015commencement checked; all later operative amendment/currentness chains held. No uncommenced2019intervention premise adopted.","Notice713 supplies historical1m/15k/250k and original2(4) threshold continuation rule. A successor could change an amount; complete successor search/effective chain not performed, especially15k.2024NCRpresentation corroborates historical1m/250k practice only, not final Gazette/current2026proof. Its exceeding250k guidance phrase is not imported over section9 at-or-above250k statutory equality.","Four original judicial sources S008-S011 remain unreopened researcher attribution. No case query, party investigation, fresh holding/posture check, later citator/adverse authority/current judicial law or actual-application acceptance. S009/S010URL-year inconsistencies and original judgment access/image limits remain visible. S012catalogue remains unreopened index-only, no absence/supersession proof.","Party role, arm-length/nexus/exclusions, related-juristic/control/date/stated-assets-or-turnover, section8types, section9amounts and section5/6partial application are separate gates. Natural business purpose alone does not prove the actual contracting actor; foreign provider alone does not prove exclusion. Qualifying approved-foreign/stateconsumer/SARBprovider/public-provider distinctions retain actual-fact holds.","Section5 incidental is limited coverage, not blanket exclusion; exact surviving provisions/deemed20businessdays/full-settlement/disclosure qualifications compared only at scoped bodies. No actual calendar date/deadline, fee entitlement, whole103charge/rate/currentregulation analysis, procedural service or real charge calculation established.","Section6 juristic limited application retains its specified Chapter4/5 carveouts; no automatic debt review/reckless-credit entitlement. Section8 named-category elements, property/security/registeredmortgage/movableownership/charge/fee/interest and utility30day conditions remain agreement-specific. No large-facility cap invented from250k; no independent guarantee amount category invented to cure literal section9 drafting gap.","Principal101amountdeferred plus qualifying102items differs total payments. No separatefee/interest automatically capitalised.102eligibility/service/consumer choice/agent/options conditions remain required; selected list is not a complete modern fee-module audit. No currentfee/PDA/refund/VAT/tax/interest-cap/registration/collection/validity/enforceability conclusion adopted.","All13existing workflows and5existing boundary examples read. Only supplied Decimal sums/inequalities and stated predicate branches checked; no new monetary input/profile/scenario. Mechanical arithmetic does not establish legal qualification, current threshold, actual relief/permission or real deadline. Nonmaterial headings12/4 versus actual13/5 and shortC14pointer annotated without raw alteration.","All115coverage rows reconciled as84core+22deferred+9provinces; all original status/next-question cells retained. D11 only partially substantively addressed. Fullfees/CPAECTA/privatecontract/PDAfundflow/prescription/enforcement/registration/creditreporting/specialdebts/insolvency/tax/customary/foreignrecognition/debtintervention/current thresholdchain/localprocedure/allnineprovinces/country/parent remain held.","Exact supplied P05D11 remaining row equals current original research row plus preserved coordinator metadata; P05 same-coordinator fee/currentness/contract/territorial limits retained. Historical then-unreviewed P06/P10/P12 context preserved; current statuses observed separately. P06twoUNSENT andP10oneUNSENT findings not accepted as foundation; no unrelated later-pass premise adopted.","Only exclusive P13 coordinator overlays/status/review artifacts written. No shared parent/history/index/register/tasks/route/model/automation mutation. Parent-history proposal only in completion. NewChatGPTprompts/correctionSends/modelprobes/browser/CUA/tabs/HUMANaccess/APIs/accounts/purchases/contacts/filings/privateinvestigation/researchgeneration/furtheragents remain paused/not performed."]}},{"source_id":"C_ZA-S008","urls":["https://www.supremecourtofappeal.org.za/index.php/component/jdownloads/send/94-judgements-2024/4217-nel-others-v-cilliers-197-2023-2024-zasca-57-19-april-2024?Itemid=0"],"researcher_record":{"Source ID":"S008","Issuer, title and complete literal HTTPS URL":"Supreme Court of Appeal, Nel and Others v Cilliers (197/2023) [2024] ZASCA 57. https://www.supremecourtofappeal.org.za/index.php/component/jdownloads/send/94-judgements-2024/4217-nel-others-v-cilliers-197-2023-2024-zasca-57-19-april-2024?Itemid=0","Exact material read and locator":"Paragraphs 29–31, zero P11–P12 / internal pp12–13.","Status, commencement and limits":"Fresh official final judgment and page images read. Used narrowly for deferral plus charge/fee/interest. No complete later-citator review. \nSupreme Court of Appeal\n+1"},"coordinator_verification_status":"judicial_original_researcher_attribution_unreopened","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_annotation":{"stored_source_id":"C_ZA-S008","contextual_pass_source_alias":"C_ZA-P13-S008","URL":"https://www.supremecourtofappeal.org.za/index.php/component/jdownloads/send/94-judgements-2024/4217-nel-others-v-cilliers-197-2023-2024-zasca-57-19-april-2024?Itemid=0","status":"judicial_original_researcher_attribution_unreopened","selected_scopes":[],"fresh_PDFpixels":false,"original_researcher_record_unchanged":true,"exact_fresh_source_open_clock_unknown":true,"not_all_document_current_law_accepted":true,"limits":["Delegated same-coordinator scoped review of saved national classification gateway, never independent/exhaustive/all-source/all-claim/current-law/country/A066/A097/A098/parent acceptance or legal advice. No actual agreement/consumer/provider/entity/registry/licence/case/private record investigated and no new scenario constructed.","Six supplied literal URLs freshly fetched successfully in seven complete unmodified tool packets; zero fresh failed URL events. One entire historical R10proclamation scope reused with complete unchanged ZA6packet/JSON and exact lines, not freshly fetched. Location-only find bodies have empty substantive read bounds. No guessed variants, repeated failure, hidden endpoint/API/security workaround.","All selected PDF evidence is parsed text; zero fresh PDF pixels. Original researcher image/read claims remain original attribution. Original Gazette printed pages versus zero PDF indices remain distinguished. OCR/order artifacts preserved; no whole-document or all-linked-exceptions certification.","Original2006Act is not a complete later consolidation; dtic cover says updated19August2019 with pending2013/2019 amendments and is not certified through October2026.2014mortgage substitutions plus historical2015commencement checked; all later operative amendment/currentness chains held. No uncommenced2019intervention premise adopted.","Notice713 supplies historical1m/15k/250k and original2(4) threshold continuation rule. A successor could change an amount; complete successor search/effective chain not performed, especially15k.2024NCRpresentation corroborates historical1m/250k practice only, not final Gazette/current2026proof. Its exceeding250k guidance phrase is not imported over section9 at-or-above250k statutory equality.","Four original judicial sources S008-S011 remain unreopened researcher attribution. No case query, party investigation, fresh holding/posture check, later citator/adverse authority/current judicial law or actual-application acceptance. S009/S010URL-year inconsistencies and original judgment access/image limits remain visible. S012catalogue remains unreopened index-only, no absence/supersession proof.","Party role, arm-length/nexus/exclusions, related-juristic/control/date/stated-assets-or-turnover, section8types, section9amounts and section5/6partial application are separate gates. Natural business purpose alone does not prove the actual contracting actor; foreign provider alone does not prove exclusion. Qualifying approved-foreign/stateconsumer/SARBprovider/public-provider distinctions retain actual-fact holds.","Section5 incidental is limited coverage, not blanket exclusion; exact surviving provisions/deemed20businessdays/full-settlement/disclosure qualifications compared only at scoped bodies. No actual calendar date/deadline, fee entitlement, whole103charge/rate/currentregulation analysis, procedural service or real charge calculation established.","Section6 juristic limited application retains its specified Chapter4/5 carveouts; no automatic debt review/reckless-credit entitlement. Section8 named-category elements, property/security/registeredmortgage/movableownership/charge/fee/interest and utility30day conditions remain agreement-specific. No large-facility cap invented from250k; no independent guarantee amount category invented to cure literal section9 drafting gap.","Principal101amountdeferred plus qualifying102items differs total payments. No separatefee/interest automatically capitalised.102eligibility/service/consumer choice/agent/options conditions remain required; selected list is not a complete modern fee-module audit. No currentfee/PDA/refund/VAT/tax/interest-cap/registration/collection/validity/enforceability conclusion adopted.","All13existing workflows and5existing boundary examples read. Only supplied Decimal sums/inequalities and stated predicate branches checked; no new monetary input/profile/scenario. Mechanical arithmetic does not establish legal qualification, current threshold, actual relief/permission or real deadline. Nonmaterial headings12/4 versus actual13/5 and shortC14pointer annotated without raw alteration.","All115coverage rows reconciled as84core+22deferred+9provinces; all original status/next-question cells retained. D11 only partially substantively addressed. Fullfees/CPAECTA/privatecontract/PDAfundflow/prescription/enforcement/registration/creditreporting/specialdebts/insolvency/tax/customary/foreignrecognition/debtintervention/current thresholdchain/localprocedure/allnineprovinces/country/parent remain held.","Exact supplied P05D11 remaining row equals current original research row plus preserved coordinator metadata; P05 same-coordinator fee/currentness/contract/territorial limits retained. Historical then-unreviewed P06/P10/P12 context preserved; current statuses observed separately. P06twoUNSENT andP10oneUNSENT findings not accepted as foundation; no unrelated later-pass premise adopted.","Only exclusive P13 coordinator overlays/status/review artifacts written. No shared parent/history/index/register/tasks/route/model/automation mutation. Parent-history proposal only in completion. NewChatGPTprompts/correctionSends/modelprobes/browser/CUA/tabs/HUMANaccess/APIs/accounts/purchases/contacts/filings/privateinvestigation/researchgeneration/furtheragents remain paused/not performed."]}},{"source_id":"C_ZA-S009","urls":["https://www.supremecourtofappeal.org.za/index.php/component/jdownloads/send/29-judgments-2014/2527-asmal-v-essa-38-2013-2013-zasca-62-14-may-2014?Itemid=0"],"researcher_record":{"Source ID":"S009","Issuer, title and complete literal HTTPS URL":"Supreme Court of Appeal, Asmal v Essa (38/2013) [2014] ZASCA 62. https://www.supremecourtofappeal.org.za/index.php/component/jdownloads/send/29-judgments-2014/2527-asmal-v-essa-38-2013-2013-zasca-62-14-may-2014?Itemid=0","Exact material read and locator":"Paragraphs 9–11, zero P7–P9 / internal pp8–10.","Status, commencement and limits":"Fresh official final judgment and images read. Used for charge/fee/interest certainty and non-credit loans. URL title contains a year inconsistency; neutral citation in judgment controls. \nSupreme Court of Appeal\n+2"},"coordinator_verification_status":"judicial_original_researcher_attribution_unreopened","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_annotation":{"stored_source_id":"C_ZA-S009","contextual_pass_source_alias":"C_ZA-P13-S009","URL":"https://www.supremecourtofappeal.org.za/index.php/component/jdownloads/send/29-judgments-2014/2527-asmal-v-essa-38-2013-2013-zasca-62-14-may-2014?Itemid=0","status":"judicial_original_researcher_attribution_unreopened","selected_scopes":[],"fresh_PDFpixels":false,"original_researcher_record_unchanged":true,"exact_fresh_source_open_clock_unknown":true,"not_all_document_current_law_accepted":true,"limits":["Delegated same-coordinator scoped review of saved national classification gateway, never independent/exhaustive/all-source/all-claim/current-law/country/A066/A097/A098/parent acceptance or legal advice. No actual agreement/consumer/provider/entity/registry/licence/case/private record investigated and no new scenario constructed.","Six supplied literal URLs freshly fetched successfully in seven complete unmodified tool packets; zero fresh failed URL events. One entire historical R10proclamation scope reused with complete unchanged ZA6packet/JSON and exact lines, not freshly fetched. Location-only find bodies have empty substantive read bounds. No guessed variants, repeated failure, hidden endpoint/API/security workaround.","All selected PDF evidence is parsed text; zero fresh PDF pixels. Original researcher image/read claims remain original attribution. Original Gazette printed pages versus zero PDF indices remain distinguished. OCR/order artifacts preserved; no whole-document or all-linked-exceptions certification.","Original2006Act is not a complete later consolidation; dtic cover says updated19August2019 with pending2013/2019 amendments and is not certified through October2026.2014mortgage substitutions plus historical2015commencement checked; all later operative amendment/currentness chains held. No uncommenced2019intervention premise adopted.","Notice713 supplies historical1m/15k/250k and original2(4) threshold continuation rule. A successor could change an amount; complete successor search/effective chain not performed, especially15k.2024NCRpresentation corroborates historical1m/250k practice only, not final Gazette/current2026proof. Its exceeding250k guidance phrase is not imported over section9 at-or-above250k statutory equality.","Four original judicial sources S008-S011 remain unreopened researcher attribution. No case query, party investigation, fresh holding/posture check, later citator/adverse authority/current judicial law or actual-application acceptance. S009/S010URL-year inconsistencies and original judgment access/image limits remain visible. S012catalogue remains unreopened index-only, no absence/supersession proof.","Party role, arm-length/nexus/exclusions, related-juristic/control/date/stated-assets-or-turnover, section8types, section9amounts and section5/6partial application are separate gates. Natural business purpose alone does not prove the actual contracting actor; foreign provider alone does not prove exclusion. Qualifying approved-foreign/stateconsumer/SARBprovider/public-provider distinctions retain actual-fact holds.","Section5 incidental is limited coverage, not blanket exclusion; exact surviving provisions/deemed20businessdays/full-settlement/disclosure qualifications compared only at scoped bodies. No actual calendar date/deadline, fee entitlement, whole103charge/rate/currentregulation analysis, procedural service or real charge calculation established.","Section6 juristic limited application retains its specified Chapter4/5 carveouts; no automatic debt review/reckless-credit entitlement. Section8 named-category elements, property/security/registeredmortgage/movableownership/charge/fee/interest and utility30day conditions remain agreement-specific. No large-facility cap invented from250k; no independent guarantee amount category invented to cure literal section9 drafting gap.","Principal101amountdeferred plus qualifying102items differs total payments. No separatefee/interest automatically capitalised.102eligibility/service/consumer choice/agent/options conditions remain required; selected list is not a complete modern fee-module audit. No currentfee/PDA/refund/VAT/tax/interest-cap/registration/collection/validity/enforceability conclusion adopted.","All13existing workflows and5existing boundary examples read. Only supplied Decimal sums/inequalities and stated predicate branches checked; no new monetary input/profile/scenario. Mechanical arithmetic does not establish legal qualification, current threshold, actual relief/permission or real deadline. Nonmaterial headings12/4 versus actual13/5 and shortC14pointer annotated without raw alteration.","All115coverage rows reconciled as84core+22deferred+9provinces; all original status/next-question cells retained. D11 only partially substantively addressed. Fullfees/CPAECTA/privatecontract/PDAfundflow/prescription/enforcement/registration/creditreporting/specialdebts/insolvency/tax/customary/foreignrecognition/debtintervention/current thresholdchain/localprocedure/allnineprovinces/country/parent remain held.","Exact supplied P05D11 remaining row equals current original research row plus preserved coordinator metadata; P05 same-coordinator fee/currentness/contract/territorial limits retained. Historical then-unreviewed P06/P10/P12 context preserved; current statuses observed separately. P06twoUNSENT andP10oneUNSENT findings not accepted as foundation; no unrelated later-pass premise adopted.","Only exclusive P13 coordinator overlays/status/review artifacts written. No shared parent/history/index/register/tasks/route/model/automation mutation. Parent-history proposal only in completion. NewChatGPTprompts/correctionSends/modelprobes/browser/CUA/tabs/HUMANaccess/APIs/accounts/purchases/contacts/filings/privateinvestigation/researchgeneration/furtheragents remain paused/not performed."]}},{"source_id":"C_ZA-S010","urls":["https://www.supremecourtofappeal.org.za/index.php/component/jdownloads/send/28-judgments-2013/2371-absa-technology-v-michael-s-bid-a-house-212-12-2013-zasca-10-15-march-2012?Itemid=0"],"researcher_record":{"Source ID":"S010","Issuer, title and complete literal HTTPS URL":"Supreme Court of Appeal, ABSA Technology Finance Solutions (Pty) Ltd v Michael’s Bid a House CC (212/2012) [2013] ZASCA 10. https://www.supremecourtofappeal.org.za/index.php/component/jdownloads/send/28-judgments-2013/2371-absa-technology-v-michael-s-bid-a-house-212-12-2013-zasca-10-15-march-2012?Itemid=0","Exact material read and locator":"Paragraphs 13–28, zero P5–P11 / internal pp6–12.","Status, commencement and limits":"Fresh official final judgment and page images read. Used narrowly for NCA lease and deferral classification. \nSupreme Court of Appeal\n+3"},"coordinator_verification_status":"judicial_original_researcher_attribution_unreopened","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_annotation":{"stored_source_id":"C_ZA-S010","contextual_pass_source_alias":"C_ZA-P13-S010","URL":"https://www.supremecourtofappeal.org.za/index.php/component/jdownloads/send/28-judgments-2013/2371-absa-technology-v-michael-s-bid-a-house-212-12-2013-zasca-10-15-march-2012?Itemid=0","status":"judicial_original_researcher_attribution_unreopened","selected_scopes":[],"fresh_PDFpixels":false,"original_researcher_record_unchanged":true,"exact_fresh_source_open_clock_unknown":true,"not_all_document_current_law_accepted":true,"limits":["Delegated same-coordinator scoped review of saved national classification gateway, never independent/exhaustive/all-source/all-claim/current-law/country/A066/A097/A098/parent acceptance or legal advice. No actual agreement/consumer/provider/entity/registry/licence/case/private record investigated and no new scenario constructed.","Six supplied literal URLs freshly fetched successfully in seven complete unmodified tool packets; zero fresh failed URL events. One entire historical R10proclamation scope reused with complete unchanged ZA6packet/JSON and exact lines, not freshly fetched. Location-only find bodies have empty substantive read bounds. No guessed variants, repeated failure, hidden endpoint/API/security workaround.","All selected PDF evidence is parsed text; zero fresh PDF pixels. Original researcher image/read claims remain original attribution. Original Gazette printed pages versus zero PDF indices remain distinguished. OCR/order artifacts preserved; no whole-document or all-linked-exceptions certification.","Original2006Act is not a complete later consolidation; dtic cover says updated19August2019 with pending2013/2019 amendments and is not certified through October2026.2014mortgage substitutions plus historical2015commencement checked; all later operative amendment/currentness chains held. No uncommenced2019intervention premise adopted.","Notice713 supplies historical1m/15k/250k and original2(4) threshold continuation rule. A successor could change an amount; complete successor search/effective chain not performed, especially15k.2024NCRpresentation corroborates historical1m/250k practice only, not final Gazette/current2026proof. Its exceeding250k guidance phrase is not imported over section9 at-or-above250k statutory equality.","Four original judicial sources S008-S011 remain unreopened researcher attribution. No case query, party investigation, fresh holding/posture check, later citator/adverse authority/current judicial law or actual-application acceptance. S009/S010URL-year inconsistencies and original judgment access/image limits remain visible. S012catalogue remains unreopened index-only, no absence/supersession proof.","Party role, arm-length/nexus/exclusions, related-juristic/control/date/stated-assets-or-turnover, section8types, section9amounts and section5/6partial application are separate gates. Natural business purpose alone does not prove the actual contracting actor; foreign provider alone does not prove exclusion. Qualifying approved-foreign/stateconsumer/SARBprovider/public-provider distinctions retain actual-fact holds.","Section5 incidental is limited coverage, not blanket exclusion; exact surviving provisions/deemed20businessdays/full-settlement/disclosure qualifications compared only at scoped bodies. No actual calendar date/deadline, fee entitlement, whole103charge/rate/currentregulation analysis, procedural service or real charge calculation established.","Section6 juristic limited application retains its specified Chapter4/5 carveouts; no automatic debt review/reckless-credit entitlement. Section8 named-category elements, property/security/registeredmortgage/movableownership/charge/fee/interest and utility30day conditions remain agreement-specific. No large-facility cap invented from250k; no independent guarantee amount category invented to cure literal section9 drafting gap.","Principal101amountdeferred plus qualifying102items differs total payments. No separatefee/interest automatically capitalised.102eligibility/service/consumer choice/agent/options conditions remain required; selected list is not a complete modern fee-module audit. No currentfee/PDA/refund/VAT/tax/interest-cap/registration/collection/validity/enforceability conclusion adopted.","All13existing workflows and5existing boundary examples read. Only supplied Decimal sums/inequalities and stated predicate branches checked; no new monetary input/profile/scenario. Mechanical arithmetic does not establish legal qualification, current threshold, actual relief/permission or real deadline. Nonmaterial headings12/4 versus actual13/5 and shortC14pointer annotated without raw alteration.","All115coverage rows reconciled as84core+22deferred+9provinces; all original status/next-question cells retained. D11 only partially substantively addressed. Fullfees/CPAECTA/privatecontract/PDAfundflow/prescription/enforcement/registration/creditreporting/specialdebts/insolvency/tax/customary/foreignrecognition/debtintervention/current thresholdchain/localprocedure/allnineprovinces/country/parent remain held.","Exact supplied P05D11 remaining row equals current original research row plus preserved coordinator metadata; P05 same-coordinator fee/currentness/contract/territorial limits retained. Historical then-unreviewed P06/P10/P12 context preserved; current statuses observed separately. P06twoUNSENT andP10oneUNSENT findings not accepted as foundation; no unrelated later-pass premise adopted.","Only exclusive P13 coordinator overlays/status/review artifacts written. No shared parent/history/index/register/tasks/route/model/automation mutation. Parent-history proposal only in completion. NewChatGPTprompts/correctionSends/modelprobes/browser/CUA/tabs/HUMANaccess/APIs/accounts/purchases/contacts/filings/privateinvestigation/researchgeneration/furtheragents remain paused/not performed."]}},{"source_id":"C_ZA-S011","urls":["https://www.supremecourtofappeal.org.za/index.php/component/jdownloads/send/23-judgments-2010/1459-da-silva-v-slip-knot-investments-661-2009-2010-zasca-174-2-december-2010?Itemid=0"],"researcher_record":{"Source ID":"S011","Issuer, title and complete literal HTTPS URL":"Supreme Court of Appeal, Da Silva v Slip Knot Investments 777 (Pty) Ltd (661/2009) [2010] ZASCA 174. https://www.supremecourtofappeal.org.za/index.php/component/jdownloads/send/23-judgments-2010/1459-da-silva-v-slip-knot-investments-661-2009-2010-zasca-174-2-december-2010?Itemid=0","Exact material read and locator":"Summary and posture zero P0–P1; paragraphs 7–8 zero P4 / internal p5; paragraph 13 zero P7 / internal p8.","Status, commencement and limits":"Fresh official final judgment and images read. Used for large juristic agreement and accessory-guarantee classification. \nSupreme Court of Appeal\n+2"},"coordinator_verification_status":"judicial_original_researcher_attribution_unreopened","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_annotation":{"stored_source_id":"C_ZA-S011","contextual_pass_source_alias":"C_ZA-P13-S011","URL":"https://www.supremecourtofappeal.org.za/index.php/component/jdownloads/send/23-judgments-2010/1459-da-silva-v-slip-knot-investments-661-2009-2010-zasca-174-2-december-2010?Itemid=0","status":"judicial_original_researcher_attribution_unreopened","selected_scopes":[],"fresh_PDFpixels":false,"original_researcher_record_unchanged":true,"exact_fresh_source_open_clock_unknown":true,"not_all_document_current_law_accepted":true,"limits":["Delegated same-coordinator scoped review of saved national classification gateway, never independent/exhaustive/all-source/all-claim/current-law/country/A066/A097/A098/parent acceptance or legal advice. No actual agreement/consumer/provider/entity/registry/licence/case/private record investigated and no new scenario constructed.","Six supplied literal URLs freshly fetched successfully in seven complete unmodified tool packets; zero fresh failed URL events. One entire historical R10proclamation scope reused with complete unchanged ZA6packet/JSON and exact lines, not freshly fetched. Location-only find bodies have empty substantive read bounds. No guessed variants, repeated failure, hidden endpoint/API/security workaround.","All selected PDF evidence is parsed text; zero fresh PDF pixels. Original researcher image/read claims remain original attribution. Original Gazette printed pages versus zero PDF indices remain distinguished. OCR/order artifacts preserved; no whole-document or all-linked-exceptions certification.","Original2006Act is not a complete later consolidation; dtic cover says updated19August2019 with pending2013/2019 amendments and is not certified through October2026.2014mortgage substitutions plus historical2015commencement checked; all later operative amendment/currentness chains held. No uncommenced2019intervention premise adopted.","Notice713 supplies historical1m/15k/250k and original2(4) threshold continuation rule. A successor could change an amount; complete successor search/effective chain not performed, especially15k.2024NCRpresentation corroborates historical1m/250k practice only, not final Gazette/current2026proof. Its exceeding250k guidance phrase is not imported over section9 at-or-above250k statutory equality.","Four original judicial sources S008-S011 remain unreopened researcher attribution. No case query, party investigation, fresh holding/posture check, later citator/adverse authority/current judicial law or actual-application acceptance. S009/S010URL-year inconsistencies and original judgment access/image limits remain visible. S012catalogue remains unreopened index-only, no absence/supersession proof.","Party role, arm-length/nexus/exclusions, related-juristic/control/date/stated-assets-or-turnover, section8types, section9amounts and section5/6partial application are separate gates. Natural business purpose alone does not prove the actual contracting actor; foreign provider alone does not prove exclusion. Qualifying approved-foreign/stateconsumer/SARBprovider/public-provider distinctions retain actual-fact holds.","Section5 incidental is limited coverage, not blanket exclusion; exact surviving provisions/deemed20businessdays/full-settlement/disclosure qualifications compared only at scoped bodies. No actual calendar date/deadline, fee entitlement, whole103charge/rate/currentregulation analysis, procedural service or real charge calculation established.","Section6 juristic limited application retains its specified Chapter4/5 carveouts; no automatic debt review/reckless-credit entitlement. Section8 named-category elements, property/security/registeredmortgage/movableownership/charge/fee/interest and utility30day conditions remain agreement-specific. No large-facility cap invented from250k; no independent guarantee amount category invented to cure literal section9 drafting gap.","Principal101amountdeferred plus qualifying102items differs total payments. No separatefee/interest automatically capitalised.102eligibility/service/consumer choice/agent/options conditions remain required; selected list is not a complete modern fee-module audit. No currentfee/PDA/refund/VAT/tax/interest-cap/registration/collection/validity/enforceability conclusion adopted.","All13existing workflows and5existing boundary examples read. Only supplied Decimal sums/inequalities and stated predicate branches checked; no new monetary input/profile/scenario. Mechanical arithmetic does not establish legal qualification, current threshold, actual relief/permission or real deadline. Nonmaterial headings12/4 versus actual13/5 and shortC14pointer annotated without raw alteration.","All115coverage rows reconciled as84core+22deferred+9provinces; all original status/next-question cells retained. D11 only partially substantively addressed. Fullfees/CPAECTA/privatecontract/PDAfundflow/prescription/enforcement/registration/creditreporting/specialdebts/insolvency/tax/customary/foreignrecognition/debtintervention/current thresholdchain/localprocedure/allnineprovinces/country/parent remain held.","Exact supplied P05D11 remaining row equals current original research row plus preserved coordinator metadata; P05 same-coordinator fee/currentness/contract/territorial limits retained. Historical then-unreviewed P06/P10/P12 context preserved; current statuses observed separately. P06twoUNSENT andP10oneUNSENT findings not accepted as foundation; no unrelated later-pass premise adopted.","Only exclusive P13 coordinator overlays/status/review artifacts written. No shared parent/history/index/register/tasks/route/model/automation mutation. Parent-history proposal only in completion. NewChatGPTprompts/correctionSends/modelprobes/browser/CUA/tabs/HUMANaccess/APIs/accounts/purchases/contacts/filings/privateinvestigation/researchgeneration/furtheragents remain paused/not performed."]}},{"source_id":"C_ZA-S012","urls":["https://www.gov.za/nr/documents/notices?order=title&page=1088&sort=asc","https://www.gov.za/nr/documents/notices?order=title&page=1088&sort=asc&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S012","Issuer, title and complete literal HTTPS URL":"South African Government, Notices catalogue, threshold-related index. https://www.gov.za/nr/documents/notices?order=title&page=1088&sort=asc","Exact material read and locator":"HTML title index; no substantive Gazette body or PDF index.","Status, commencement and limits":"Fresh discovery/index source only. Used in bounded successor-threshold searching; not evidence that no later threshold exists. \nSouth African Government"},"coordinator_verification_status":"index_only_original_attribution_unreopened","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review_file":"[internal evidence reference]","coordinator_annotation":{"stored_source_id":"C_ZA-S012","contextual_pass_source_alias":"C_ZA-P13-S012","URL":"https://www.gov.za/nr/documents/notices?order=title&page=1088&sort=asc","status":"index_only_original_attribution_unreopened","selected_scopes":[],"fresh_PDFpixels":false,"original_researcher_record_unchanged":true,"exact_fresh_source_open_clock_unknown":true,"not_all_document_current_law_accepted":true,"limits":["Delegated same-coordinator scoped review of saved national classification gateway, never independent/exhaustive/all-source/all-claim/current-law/country/A066/A097/A098/parent acceptance or legal advice. No actual agreement/consumer/provider/entity/registry/licence/case/private record investigated and no new scenario constructed.","Six supplied literal URLs freshly fetched successfully in seven complete unmodified tool packets; zero fresh failed URL events. One entire historical R10proclamation scope reused with complete unchanged ZA6packet/JSON and exact lines, not freshly fetched. Location-only find bodies have empty substantive read bounds. No guessed variants, repeated failure, hidden endpoint/API/security workaround.","All selected PDF evidence is parsed text; zero fresh PDF pixels. Original researcher image/read claims remain original attribution. Original Gazette printed pages versus zero PDF indices remain distinguished. OCR/order artifacts preserved; no whole-document or all-linked-exceptions certification.","Original2006Act is not a complete later consolidation; dtic cover says updated19August2019 with pending2013/2019 amendments and is not certified through October2026.2014mortgage substitutions plus historical2015commencement checked; all later operative amendment/currentness chains held. No uncommenced2019intervention premise adopted.","Notice713 supplies historical1m/15k/250k and original2(4) threshold continuation rule. A successor could change an amount; complete successor search/effective chain not performed, especially15k.2024NCRpresentation corroborates historical1m/250k practice only, not final Gazette/current2026proof. Its exceeding250k guidance phrase is not imported over section9 at-or-above250k statutory equality.","Four original judicial sources S008-S011 remain unreopened researcher attribution. No case query, party investigation, fresh holding/posture check, later citator/adverse authority/current judicial law or actual-application acceptance. S009/S010URL-year inconsistencies and original judgment access/image limits remain visible. S012catalogue remains unreopened index-only, no absence/supersession proof.","Party role, arm-length/nexus/exclusions, related-juristic/control/date/stated-assets-or-turnover, section8types, section9amounts and section5/6partial application are separate gates. Natural business purpose alone does not prove the actual contracting actor; foreign provider alone does not prove exclusion. Qualifying approved-foreign/stateconsumer/SARBprovider/public-provider distinctions retain actual-fact holds.","Section5 incidental is limited coverage, not blanket exclusion; exact surviving provisions/deemed20businessdays/full-settlement/disclosure qualifications compared only at scoped bodies. No actual calendar date/deadline, fee entitlement, whole103charge/rate/currentregulation analysis, procedural service or real charge calculation established.","Section6 juristic limited application retains its specified Chapter4/5 carveouts; no automatic debt review/reckless-credit entitlement. Section8 named-category elements, property/security/registeredmortgage/movableownership/charge/fee/interest and utility30day conditions remain agreement-specific. No large-facility cap invented from250k; no independent guarantee amount category invented to cure literal section9 drafting gap.","Principal101amountdeferred plus qualifying102items differs total payments. No separatefee/interest automatically capitalised.102eligibility/service/consumer choice/agent/options conditions remain required; selected list is not a complete modern fee-module audit. No currentfee/PDA/refund/VAT/tax/interest-cap/registration/collection/validity/enforceability conclusion adopted.","All13existing workflows and5existing boundary examples read. Only supplied Decimal sums/inequalities and stated predicate branches checked; no new monetary input/profile/scenario. Mechanical arithmetic does not establish legal qualification, current threshold, actual relief/permission or real deadline. Nonmaterial headings12/4 versus actual13/5 and shortC14pointer annotated without raw alteration.","All115coverage rows reconciled as84core+22deferred+9provinces; all original status/next-question cells retained. D11 only partially substantively addressed. Fullfees/CPAECTA/privatecontract/PDAfundflow/prescription/enforcement/registration/creditreporting/specialdebts/insolvency/tax/customary/foreignrecognition/debtintervention/current thresholdchain/localprocedure/allnineprovinces/country/parent remain held.","Exact supplied P05D11 remaining row equals current original research row plus preserved coordinator metadata; P05 same-coordinator fee/currentness/contract/territorial limits retained. Historical then-unreviewed P06/P10/P12 context preserved; current statuses observed separately. P06twoUNSENT andP10oneUNSENT findings not accepted as foundation; no unrelated later-pass premise adopted.","Only exclusive P13 coordinator overlays/status/review artifacts written. No shared parent/history/index/register/tasks/route/model/automation mutation. Parent-history proposal only in completion. NewChatGPTprompts/correctionSends/modelprobes/browser/CUA/tabs/HUMANaccess/APIs/accounts/purchases/contacts/filings/privateinvestigation/researchgeneration/furtheragents remain paused/not performed."]}}],"coverage":[{"topic":"G1-01 Current source edition","researcher_record":{"Row":"G1-01","Subissue":"Current source edition","Status":"partial-currentness","Finding/claims":"C001–C003","Missing fact or exact next action":"Complete post-2019 provision citator if operational use"},"raw_table_index":6,"coordinator_acceptance":"scoped_rule_workflow_or_partial_gap_reconciled_all_original_holds_retained","coordinator_review_file":"[internal evidence reference]","coordinator_annotation":{"row":"G1-01","raw_table_index":6,"original_status":"partial-currentness","coordinator_status":"scoped_rule_workflow_or_partial_gap_reconciled_all_original_holds_retained","contextual_claim_aliases":["C_ZA-P13-C001","C_ZA-P13-C002","C_ZA-P13-C003"],"unreopened_judicial_claims":[],"missing_question_preserved_verbatim":{"Missing fact or exact next action":"Complete post-2019 provision citator if operational use"},"country_parent_or_actual_application_accepted":false}},{"topic":"G1-02 Original commencement","researcher_record":{"Row":"G1-02","Subissue":"Original commencement","Status":"answered","Finding/claims":"C001","Missing fact or exact next action":"None for §§1–11"},"raw_table_index":6,"coordinator_acceptance":"scoped_rule_workflow_or_partial_gap_reconciled_all_original_holds_retained","coordinator_review_file":"[internal evidence reference]","coordinator_annotation":{"row":"G1-02","raw_table_index":6,"original_status":"answered","coordinator_status":"scoped_rule_workflow_or_partial_gap_reconciled_all_original_holds_retained","contextual_claim_aliases":["C_ZA-P13-C001"],"unreopened_judicial_claims":[],"missing_question_preserved_verbatim":{"Missing fact or exact next action":"None for §§1–11"},"country_parent_or_actual_application_accepted":false}},{"topic":"G1-03 2014 mortgage amendment","researcher_record":{"Row":"G1-03","Subissue":"2014 mortgage amendment","Status":"answered","Finding/claims":"C002,C036","Missing fact or exact next action":"No 2019 inference"},"raw_table_index":6,"coordinator_acceptance":"scoped_rule_workflow_or_partial_gap_reconciled_all_original_holds_retained","coordinator_review_file":"[internal evidence 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