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.
Tell us where you are. A consultant reviews every enquiry and comes back to you.
Consumer Credit Law (CCL) is a nationwide specialist consultancy focused on 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 the 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 experience. Based in Sandton, Johannesburg. Where a matter proceeds to court, it is conducted by independent affiliate attorneys.
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, a summons, a judgment, a warrant or an auction notice. We work in tandem with the rest of the support system, not against it.
The bank cannot skip a step. Knowing which one you are standing on tells you exactly how much time you have and what can still be done. Tap the stage that matches your paperwork.
Not sure which stage you are on? The overview check takes about three minutes.
Start the overview checkThe National Credit Act, the Uniform Rules of Court and the Constitution all place limits on what a credit provider may do. Most consumers never learn what those limits are.
Rule 46A requires a court to consider alternatives before your home is sold. That hearing is a defence opportunity, not a formality.
See how →A vehicle cannot lawfully be taken without the correct notice and, in most cases, a court order. Voluntary surrender is rarely your best option.
See how →Delivery of a Section 129 notice is strictly regulated. Where it was defective, the litigation that followed may be challenged.
See how →Debt review helps many people and traps others. Where it no longer serves you, there is a lawful route out, and it is not simply cancelling your payments.
See how →If a credit provider did not properly assess affordability before lending to you, the agreement may be declared reckless by a court.
See how →An application to sequestrate you is not the end of the matter. It can be opposed, and the consequences of not opposing it last for years.
See how →You answer a short set of questions online or over WhatsApp. It costs nothing and it tells us which stage you are on.
We pull your credit position across all four South African bureaus and read the paperwork you have received.
A consultant tells you what is actually available to you and what is not. Sometimes the answer is that you do not need us.
Letters, disputes, applications and negotiation with the credit provider. Where court is required, independent affiliate attorneys take it forward.
We will tell you what is possible, not what you want to hear.
This industry is full of promises nobody can keep. We do not make them. What we can tell you, before you pay anything, is whether there is a defence worth running.
No guaranteed outcomes. No consultancy can guarantee what a court will do. Anyone who guarantees it is selling you something.
We act for consumers only. We have never acted for a bank and we do not take referral fees from credit providers.
Verified South African law. Nkata v FNB, Jaftha v Schoeman, Gundwana v Steko. Real judgments, correctly applied to your facts.
Ten consultants, one standard. Every file is reviewed before advice leaves the office.
We will turn work away. If your matter is better handled by a debt counsellor or the ombud, we will say so and point you there.
One conversation tells you whether there is something worth defending. It costs nothing and it takes less time than you think.
Consumer Credit Law is a trading name of CCL Consultancy SA (Pty) Ltd (Reg. 2026/409861/07). Consumer Credit Law is a consumer credit consultancy and is not a firm of attorneys. Court proceedings are conducted by independent affiliate attorneys. Nothing on this page is a guarantee of any outcome. Sandton, Johannesburg, 2191.