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Lending to a Friend or Selling Property on Credit – Must You Register as a Credit Provider?

“Neither a borrower nor a lender be For loan oft loses both itself and friend” (Shakespeare)   It seems logical that the very strong consumer protections in the NCA (National Credit Act) are designed for commercial situations in which credit is advanced by “credit provider” businesses to “credit consumers”. But does the NCA also apply

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Reporting Crime and the Defamation Danger: Lessons from the Workplace

Believing someone to be guilty of a crime you call the police and have the suspect arrested, only to have the charges dropped. Can you be sued for defamation? A recent High Court case provides some answers.   A fraudulent iPad order, an arrest and a R1.6m claim A government employee was, at the instigation

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Firearm Owners: What to Do if Your Licence Has Expired

“… this is a matter of national security and… something of the order of 450,000 gun owners with their expired licences form part of this equation… in a country riddled with crime…” (Extracts from judgment below) Possession of an unlicensed firearm is, for good reason, a serious offence carrying heavy penalties, and law abiding citizens

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Websites of the Month: The Existential Dread of Gift Giving, and Science to the Rescue!

“Every holiday season, as we drive ourselves crazy at the mall or shopping online, soaked in the existential dread that comes from trying to find gifts our loved ones might appreciate, I think of the great writer and social critic James Baldwin, who wrote: ‘If the hope of giving/is to love the living,/the giver risks

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When is a Debtor “Insolvent”? A Case of Arrear Maintenance Illustrates

“To my mind the best proof of solvency is that a man should pay his debts” (quoted in the judgment below) If you are owed maintenance you have a variety of enforcement options open to you and should ask your lawyer for advice on which is the best for your particular claim and circumstances. A

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Your Website of the Month: 6 Ways for Your SME to Survive the Recession

No doubt we are in for at least a year or two of difficult economic conditions, but small businesses have one important advantage over larger competitors – their size keeps them agile. That means they can adapt more quickly to changing conditions, which in turn puts them in pole position to grasp the many opportunities

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