<?xml version="1.0" encoding="UTF-8"?><rss xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:atom="http://www.w3.org/2005/Atom" version="2.0"><channel><title><![CDATA[My Site]]></title><description><![CDATA[My Site]]></description><link>https://www.vdhincorporated.com/resources</link><generator>RSS for Node</generator><lastBuildDate>Fri, 16 Oct 2026 23:52:08 GMT</lastBuildDate><atom:link href="https://www.vdhincorporated.com/blog-feed.xml" rel="self" type="application/rss+xml"/><item><title><![CDATA[When does the section 103(5) cap begin?]]></title><description><![CDATA[The Western Cape High Court focuses on the statutory trigger: default. Cost of credit and the statutory in duplum rule Selected recent authorities and practical implications for debt-review practice. Seniors Finance (Pty) Ltd and Another v Rosen NO and Others Citation: (15020/2024) [2026] ZAWCHC 344; [2026] 3 All SA 734 (WCC) (3 July 2026) Authority level: High Court — Western Cape Division Why this development matters Rosen is an important recent section 103(5) judgment because it focuses on...]]></description><link>https://www.vdhincorporated.com/post/when-does-the-section-103-5-cap-begin</link><guid isPermaLink="false">6ac36bf9d926e3d9b007b308</guid><pubDate>Mon, 05 Oct 2026 09:21:36 GMT</pubDate><dc:creator>Magda Birkholtz</dc:creator></item><item><title><![CDATA[Who has jurisdiction over a section 127 shortfall?]]></title><description><![CDATA[The SCA confirms that the High Court is not excluded. Voluntary surrender and post-sale shortfalls Selected recent authorities and practical implications for debt-review practice. Dreyer NO and Another v Standard Bank; Nedbank Ltd and Another v Abrahams Citation: (387/2024; 568/2024) [2026] ZASCA 74 (22 May 2026) Authority level: Supreme Court of Appeal Why this development matters  This is one of the most authoritative decisions because it resolves a jurisdictional issue at Supreme Court of...]]></description><link>https://www.vdhincorporated.com/post/who-has-jurisdiction-over-a-section-127-shortfall</link><guid isPermaLink="false">6ac36b9a6883c5dafefdb976</guid><pubDate>Mon, 05 Oct 2026 09:19:53 GMT</pubDate><dc:creator>Magda Birkholtz</dc:creator></item><item><title><![CDATA[A case to watch: NCA guarantees and indemnities]]></title><description><![CDATA[Important judicial observations — but not yet a final merits ruling. Case-law watchlist Selected recent authorities and practical implications for debt-review practice. Beckles v SB Guarantee Company (RF) Pty Ltd Citation: (20699/2021) [2026] ZAWCHC 303 (10 June 2026) Authority level: High Court — Western Cape Division; Why this development matters Beckles attracted attention because the court expressed concern about the relationship between NCA-regulated home-loan lending and separate...]]></description><link>https://www.vdhincorporated.com/post/a-case-to-watch-nca-guarantees-and-indemnities</link><guid isPermaLink="false">6ac36a7c6883c5dafefdb7a9</guid><pubDate>Mon, 05 Oct 2026 09:15:55 GMT</pubDate><dc:creator>Magda Birkholtz</dc:creator></item><item><title><![CDATA[Does section 166 bar reckless credit after three years?]]></title><description><![CDATA[The Free State High Court draws an important distinction between Tribunal complaints and ordinary-court defences. Reckless credit and section 166 Selected recent authorities and practical implications for debt-review practice. Nedbank Ltd v Lehasa Citation: (967/2025) [2026] ZAFSHC 75 (10 April 2026) Authority level: High Court — Free State Division; not reportable Why this development matters Lehasa is a significant 2026 development because it draws an important distinction between the...]]></description><link>https://www.vdhincorporated.com/post/does-section-166-bar-reckless-credit-after-three-years</link><guid isPermaLink="false">6ac369f46883c5dafefdb6df</guid><pubDate>Mon, 05 Oct 2026 09:13:47 GMT</pubDate><dc:creator>Magda Birkholtz</dc:creator></item><item><title><![CDATA[When reckless credit is actually proved]]></title><description><![CDATA[A recent example of the significant remedies that can follow a properly established reckless-credit case. Reckless credit and section 166 Selected recent authorities and practical implications for debt-review practice. 9. Ulyate NO and Another v Classens and Another Citation: (19793/2015) [2026] ZAWCHC 32 (30 January 2026) Authority level: High Court — Western Cape Division Why this development matters Ulyate is a strong recent example of the court granting substantial relief where the...]]></description><link>https://www.vdhincorporated.com/post/when-reckless-credit-is-actually-proved</link><guid isPermaLink="false">6ac3696d6883c5dafefdb621</guid><pubDate>Mon, 05 Oct 2026 09:10:50 GMT</pubDate><dc:creator>Magda Birkholtz</dc:creator></item><item><title><![CDATA[Missed payments after a debt-review order]]></title><description><![CDATA[Why compliance with the granted order matters, even if arrears are later caught up Compliance with debt rearrangement orders Selected recent authorities and practical implications for debt-review practice. Absa Bank Ltd v Frans Citation: (2169/2024) [2025] ZAWCHC 154; [2025] 3 All SA 679 (WCC) (28 March 2025) Authority level: High Court (Western Cape Division) Why this development matters Frans is one of the most practically important recent cases for aftercare. It reinforces that a granted...]]></description><link>https://www.vdhincorporated.com/post/missed-payments-after-a-debt-review-order</link><guid isPermaLink="false">6ac3686f1c1cd09b04742552</guid><pubDate>Mon, 05 Oct 2026 09:06:45 GMT</pubDate><dc:creator>Magda Birkholtz</dc:creator></item><item><title><![CDATA[Termination of debt review must be properly pleaded]]></title><description><![CDATA[A summary-judgment decision highlighting the importance of a coherent statutory case. Enforcement timing and the limits of debt review Selected recent authorities and practical implications for debt-review practice. Standard Bank of South Africa Ltd v Roussouw Citation: (2025/125801) [2026] ZAWCHC 435 (18 August 2026) Authority level: High Court — Western Cape Division; Why this development matters  Roussouw is useful because it illustrates how procedural inconsistency in an enforcement case...]]></description><link>https://www.vdhincorporated.com/post/termination-of-debt-review-must-be-properly-pleaded</link><guid isPermaLink="false">6ac367c87babcebbad179709</guid><pubDate>Mon, 05 Oct 2026 09:03:58 GMT</pubDate><dc:creator>Magda Birkholtz</dc:creator></item><item><title><![CDATA[Debt review after enforcement has begun]]></title><description><![CDATA[A recent warning about timing, section 129 and later debt-review applications. Enforcement timing and the limits of debt review Selected recent authorities and practical implications for debt-review practice. FirstRand Bank Ltd v Buys and Another Citation: (5511/2022) [2026] ZAMPMHC 59 (26 August 2026) Authority level: High Court — Mpumalanga Division Why this development matters Buys is a useful recent reminder that engaging with a bank or proposing partial payments is not the same thing as...]]></description><link>https://www.vdhincorporated.com/post/debt-review-after-enforcement-has-begun</link><guid isPermaLink="false">6ac366640ef081bd57381dd1</guid><pubDate>Mon, 05 Oct 2026 09:01:20 GMT</pubDate><dc:creator>Magda Birkholtz</dc:creator></item><item><title><![CDATA[Consent, fees and debt-review removal under scrutiny]]></title><description><![CDATA[A 2026 Tribunal ruling with major compliance lessons for Debt Counsellors. Debt Review &#38; National Credit Act Professional legal-insights pack • Current to 30 September 2026 Selected recent South African decisions affecting debt review, enforcement, reckless credit, consumer status, fees, voluntary surrender and the NCA Prepared for VDH Legal Insights Regulatory conduct, consent and fees Selected recent authorities and practical implications for debt-review practice. National Credit Regulator...]]></description><link>https://www.vdhincorporated.com/post/consent-fees-and-debt-review-removal-under-scrutiny</link><guid isPermaLink="false">6ac3657a7c75b835e272057b</guid><pubDate>Mon, 05 Oct 2026 08:55:45 GMT</pubDate><dc:creator>Magda Birkholtz</dc:creator></item><item><title><![CDATA[LATEST CASE LAW DEVELOPMENTS]]></title><description><![CDATA[Debt Review &#38; National Credit Act Professional legal-insights pack • Current to 30 September 2026 Selected recent South African decisions affecting debt review, enforcement, reckless credit, consumer status, fees, voluntary surrender and the NCA Prepared for VDH Legal Insights Regulatory conduct, consent and fees Selected recent authorities and practical implications for debt-review practice. National Credit Regulator v Bongolethu Gedeza Citation: NCT/444880/2026/137(1), National Consumer...]]></description><link>https://www.vdhincorporated.com/post/latest-case-law-developments</link><guid isPermaLink="false">6ac0d16abcb2fe0919cfc9c7</guid><pubDate>Sat, 03 Oct 2026 11:39:19 GMT</pubDate><dc:creator>Magda Birkholtz</dc:creator></item></channel></rss>