Join us and fight against
Reckless Lending.
Legal Help
As your appointed legal counsel, we will represent your case against predatory credit providers in court or in front of the Tribunal. So, in most cases, you won’t have to endure the imposition and stress of attending court.
Prescription Investigations
If debt collectors are hounding you to repay old, inflated debts, we will raise the defence of prescription and attempt to have it written off, so you no longer have to repay this debt.
Writing off Debt
Sign and return the necessary forms, giving us your consent to vet your credit profile and find out which of your agreements is reckless, so we can have any owed amounts written off.
Financial Advising
We will assess your financial agreements in depth, and give you a breakdown of the situation regarding your accounts and the costs involved.
Reckless Lending Assessments
We will conduct in-depth investigations into suspected cases of reckless lending on your credit accounts and attend the Magistrate’s Court or the National Credit Tribunal (NCT) on your behalf, to get an official declaration of reckless lending.
Years of experience
Govender Law is an expert legal firm with years of experience in fighting against financial injustices committed by financial institutions, credit providers and banks.
About us
Govender Law are a team of specialist attorneys with over 10 years of experience in fighting against financial injustices committed by financial institutions, credit providers and banks in the US, UK and South Africa. Banks around the world all apply the same model, which means we are well-equipped to stand up for your consumer rights and win the fight on your behalf.
More about Reckless Lendng
- The National Credit Act (NCA) requires credit providers to conduct an affordability assessment before granting any consumer credit. So, if your credit provider failed to perform a proper affordability assessment, the credit agreement you entered into is classified as reckless lending.
- If you did not fully understand the risks, costs and obligations of the credit agreement before entering into it, you are a victim of reckless lending. Moreover, if you became over-indebted as a result of entering into a credit agreement, you have a strong case for reckless lending.
- Govender Law will take immediate legal action on your behalf to have some or all of your debts declared as reckless. In so doing, we will arrange for your debts to be written off, so you don’t have to pay another cent towards reckless credit.