Archive for April, 2011

Protect Your Identity from ID Thieves

Useful and practical tips to protect yourself from Identity Theft and Fraud

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Debt-Free Weddings

Your wedding day should be one of the happiest of your life – but if debt and bills are looming thanks to your excessive wedding, it puts a damper on your marriage. So be sensible, and compromise on a dream day in order to have a dream life.

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Bank’s Customers Bear The Brunt of Court Ruling

Banks have responded to this judgment by threatening to increase the costs of credit, make access to credit more difficult and be less sympathetic to its customers when they experience financial difficulties.

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Irresponsible Advertising

False and misleading adverts for credit are unlawful in terms of the National Credit Act. An advert for credit must highlight all the costs to the buyer. Unlawful advertising often tricks consumers into applying for credit that is expensive and un-affordable for the consumer.

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Consumer’s Credit Binge Causes Indigestion

The most serious problem is the extent of consumer indebtedness. There can be little doubt that South Africans have been on a credit binge over the last few years.

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Men Are From Mars, Women Are From Venus

men and women have different basic needs, making them more likely to spend on different things

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Court Ruling Leaves Over-Indebted Consumers Vulnerable

Eva Smith (Attorney) @ Lucid Living Debt counselling may not shield you from your creditors if they send you a letter of demand before you have applied for debt counselling. Related Posts:Bank’s Customers Bear The Brunt of Court RulingWhy Paying Off Credit Cards Needs To Be Top Of MindIrresponsible AdvertisingConsumer’s Credit Binge Causes IndigestionCourts Favour […]

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Consumer Protection Act

Eva Smith (Attorney) @ Lucid Living The Consumer Protection Act (CPA), which came into effect on Thursday last week, significantly strengthens your rights as a consumer. Related Posts:Banks Protest Consumer Protection ActClarifying the CPA: Your Rights (Part 2)Landlords To Comply With Consumer Protection ActClarifying The CPA: Your Rights (Part 1)Cell Phone Contracts and The CPA

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Talking About Debt

Adv Kate Thambiran @ Lucid Living There is nothing romantic about debt, so many of us may decide not to tell our new spouse about our outstanding bills. For other people, the fear is the reaction of their husband or wife if they find out that you’ve gone into debt using the family savings. But […]

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Identity Theft A South African Reality

Adv Randolph Samuel @ Lucid Living Have you ever received a call from a company, advising you that you are in arrears on your payment – but you know for a fact, that you don’t have an account with that company? Unless this is an administration error, this is almost always the outcome of Identity […]

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