SAFLII Note: Certain personal/private details of parties or witnesses have been redacted from this document in compliance with the law and SAFLII Policy	

  IN THE NATIONAL CONSUMER TRIBUNAL HELD AT PRETORIA

				           	Case Number: NCT/15719/2014/138(1)(P)
In the matter between:
CHRISTINA MARGOT COLLETT				Consumer/ Applicant 
ID: […]

AND

JDG TRAIDING (PTY) LTD			 	1st Respondent/Credit provider
WOOLWORTHS (PTY) LTD				2nd Respondent/Credit provider 
THE MOTOR FINANCE CORPORATION (PTY)
 LTD T/A MFC						3rd Respondent/Credit provider
TELKOM SA LTD						4th Respondent/Credit provider
ABSA BANK LIMITED					5th Respondent/ Credit provider

                                                      CONSENT ORDER
______________________________________________________________________ 
The Tribunal, having read the papers filed of record and being satisfied that the Applicant(s) and the Respondent(s) are parties to a debt re-arrangement facilitated by a Debt Counsellor under section 86(7)(b) read with section 138(1) of the National Credit Act, Act 34 of 2005 ( the Act), hereby  makes the following order:

1.	The payment structure between the applicant/consumer and the  respondent(s)/credit provider(s) and as set out in the table below is confirmed as an order of the Tribunal in terms of section 150 of the Act;

No	Creditor	Reference	Balance	New Monthly Instalment	Annual Interest 	Estimated Repayment Period	
1	JGD Trading	0006365290970191188	R 1250.42	R 95.51	17.29%	15 months	
2	Woolworths 	6007850376416010	R2 450.07	R125.13	14.46%	23 months	
3	Vehicle Finance- MFC	56769320011	R19 678.57	R1 104.69	12.34%	21 months	
4	Telkom SA Ltd	3025894299007362011	R 1 756.31	R78.16	00.00%	22 months	
5	Credit Card- ABSA	5471205125205015	R 38 090.75	R 1 206.36	14.11%	38 months	

2.	The parties’ attention is drawn to sections 71(1), 71(5)(a) and 152 of the Act which states as follows:

Section 71(1)
A consumer, whose debts have been re-arranged in terms of Part D of this Chapter, may apply to a debt counselor at any time for a clearance certificate relating to the debt re-arrangement.

Section 71(5) 
Upon receiving a copy of a clearance certificate, a credit bureau, or the national credit register must expunge from its records –
(a)	The fact that the consumer was subject to the relevant debt re-arrangement order or agreement… 

Section 152
Any decision, judgment or order of the Tribunal may be served, executed and enforced as if it were an order of the High Court…  

3.	The parties are warned that failure to comply with the order of the Tribunal constitutes an offence in terms of section 160(1) of the Act.

Dated and signed at PRETORIA on this 28th day of February 2015.  

MR FK SIBANDA
PRESIDING MEMBER
To :
1.	The Registrar of the National Consumer Tribunal
				Anel Burger

2.	Debt Counsellor:	Hans Reinhard Petternburger-Perwald NCRDC 49
Unit 9
TimesBusiness Park
37 Blouberg Road
P O Box 11174
Bloubergrant
7443
Tel: 021 556 4935
Fax: 021 556 4937
E-Mail: williamd@debt-therapy.net  

3.	Consumer:		Christina Margot Collett
			C8
The Met
Grand National Boulevard
Royal Ascot
Tel: 083 554 9602

	
   And:

4.	Credit Providers:

JDG Trading (PTY) LTD		 	     	Company Reg:  1958/003362/07
300 Kent Avenue
Randburg
2194
P O Box 2125
Johannesburg
2000
Tel: 011 211 1338
Fax: 086 686 1102
E-Mail: jddebtreview@jdg.co.za

Woolworths (PTY) LTD		 	     	Company Reg:  1956/000518/07
93 Mongmarket Street
Cape Town 8000
P O Box 680
Cape Town
8000
Tel: 021 407 9111
Fax: 021 407 3957
E-Mail: court@consumerfriend.co.za

The Motor Finance Corporation
 (Pty) Ltd   T/A MFC				Company Reg:  1995/006077/07
6E Herman Road
Corobrick
Meadowdale
P. O. Box 4005
Edenvale
1610
Tel: 011 879 9000
Fax: 011 667 6888
E-Mail: debtreview@mfc.co.za 

Telkom SA LTD	 	 	     		Company Reg:  1991/005476/06
296 Pine Street
Centrex Building
Durban 
4001
P O Box 970
Durban
4000
Tel: 011 337 9088
Fax: 088031671109
E-Mail: xolosd@telkom.co.za

ABSA Bank Limited 	     		Company Reg:  1986/004794/06
8th Floor Marble Towers
Cnr Jeppe and Von Weilligh Street
P O Box 8686
Johannesburg
2000
Tel: 0861 005 901
Fax: 0865 848 662
E-Mail: CourtApp@absa.co.za