Acting for consumers, never for banks.
From a Section 129 notice to a sheriff’s auction; Consumer Credit Law defends borrowers against banks under the National Credit Act. Stop repossessions, exit debt review, challenge reckless lending. Acting for consumers, never for banks.
Over 20+ years of Consumer Credit Law experience
Consumer Credit Law (CCL) is a nationwide specialist in stopping or delaying vehicle and home repossessions, defending Rule 46A sales in execution, challenging Section 129 notices, exiting harmful debt review, and pursuing reckless lending claims under the National Credit Act. We work alongside debt counsellors, the National Credit Regulator, and ombuds — not as a last resort, but as the legal escalation layer for any credit crisis in South Africa.
Close to two decades of consumer credit law experience. Based in Ferndale, Randburg. Acting for borrowers — never for banks.
Most consumers in trouble are handed off between debt counsellors, credit bureaus and call centres — until something legal arrives. By then, the window has narrowed.
CCL is the layer that activates the moment a legal step appears — a Section 129 notice, summons, judgment, warrant or auction notice — and we work in tandem with the rest of the support system, not against it.
Credit stress is not a single moment. We work with consumers at every stage — from anxious-but-current, to mid-stage restructuring, to emergency defence on the courthouse steps.
You're current or recently behind, but the strain is real. Best moment to get ahead — before the bank's legal machine starts moving.
Section 129 notice arrived. Summons issued. Debt review you can't escape. The legal route is open and the window is wide.
Judgment, warrant, sheriff's auction date, repossession underway. Hours and days matter. We move on the same timeline.
Each path is a dedicated service with its own page, process and team. Not sure which one you're in? Start with the Credit Law Scorecard and we'll route you.
Protect your primary residence from a sheriff's auction using Rule 46A and the NCA.
ExploreDefend against forced repossession, surrender pressure and shortfall claims.
ExploreChallenge defective notices before they become summonses, judgments and warrants.
ExploreCourt-backed exit from debt review when it no longer serves your interests.
ExplorePursue lenders who extended credit you couldn't afford under Section 80–83 of the NCA.
ExploreNot sure where you stand? Take the assessment — get a routed action plan in minutes.
Start the ScorecardWe've built our consultancy on three principles that protect you from the things South African consumers warn each other about.
We will tell you when a legal route is not in your interest, and route you to a debt counsellor, a settlement, or a different remedy. We turn away matters where the spend won't improve the position. That is how we keep our record honest.
No open-ended litigation. Our fees are structured in clear, capped stages with stop/go decision points, so you always know what you've committed to and what you're getting next. Plain language. No surprises.
Active matters get a written status update every week and a plain-language summary after every key call. Communication is the most common complaint across legal consultancies and firms in South Africa. We made it a standard.
Consumer credit support in South Africa is layered. There is the National Credit Regulator. There are debt counsellors. There are ombuds. There are NGOs and law clinics. Each plays a role.
CCL is the legal layer. We brief alongside debt counsellors when the matter needs litigation muscle. We hand clients back to financial-wellness programmes once the legal crisis is contained. We refer to ombuds and the NCR where that's the better route. The win, every time, is the consumer's — not anyone's market share.
I scanned and sent the Summons I received for my house and the team at Consumer Credit Law helped me understand exactly how to deal with them. I managed to defend the Summons and pay my arrears. Sorted.
I was only two months in arrears when the bank's tracers called me, looking for the car. I was in a state of panic until I called the team at CCL. They took it from there.
I was not aware that financial institutions are obligated to find alternatives for me to sell my house privately. I got a reasonable offer and with the help of CCL, I managed to avoid a forced sale.
A short, plain-language assessment that maps your credit and legal position, ranks the risks, and gives you a prioritised action plan — in your own language, in minutes. Free. No call centre. No pressure.
URGENT LEGAL INTERVENTION FORM