Debtfree Magazine September 2019 by Debtfree Magazine

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TRAPPED IN DEBT REVIEW September 2019 www.debtfreedigi.co.za Business photo created by kues - www.freepik.com

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Isnâ&#x20AC;&#x2122;t South Africa a place of wild contradictions? Right now, we have strikes and protest action everywhere, Xenophobic attacks on one side of the country while on the other side recently, people were marching to demand that violent men stop being violent! The army is playing bodyguard to the Cape cops, and lots of low level crooks have been rounded up while in the same area, gang lords roam free right past the same cops. The Rand is doing well and even foreign Royals are visiting our shores, at the same time politicians are accusing each other of being involved in corruption. New commissions are being established to track down stolen money, while older commissions are yet to result in arrests. Moodyâ&#x20AC;&#x2122;s is threatening a rating downgrade that will chase off investment while the government, miraculously raises an extra 1 Billion

Rand by issuing more long term bonds, due to high demand. We live in a country where more people have access to credit than have jobs. Where half the people in the country, technically, live below the poverty line while retailers are disappointed by their low sales. All this, during a worldwide economic recession where global markets have shrunk, and people have lost jobs. No wonder people are turning to the assistance of debt review. In this issue we look at a recent court case that has given clarity on an issue that was bothering the entire debt review industry (and consumers) for ages. It centers round leaving the debt review process. The ruling will encourage you to keep going with the debt review process and to help those who are contemplating entering the process to give it serious consideration before they start the ball rolling. The DTI has also initiated discussions about proposed changes to make to the Regulations for the National Credit Act. Some of their plans will no doubt surprise or shock you. We

discuss some of their proposals in this issue of the magazine and we will continue to track them as the DTI go ahead with making changes. Too many contradictions can leave your head spinning, unsure whether to be happy or sad, until you head to the petrol station and prices are up again or when your food bill is higher than your limited budget. Perhaps the rugby world cup can distract us from our problems, but maybe not. It is natural to want a better life - to get clear of debt and start building towards a positive future. It is also natural to want to have some control over your future. So, if you canâ&#x20AC;&#x2122;t control all the contradictory wildness around you politically and economically, at least you can keep paying off your own debts and taking another step, this month, towards being debt free.

FROM THE

E D I T O R

HOW DO YOU COMPARE? Ever wondered how your income compares to the majority of South Africans? Are you rich or poor compared to everyone else? Wonder no longer, you can use this interesting online tool from the South African Labour & Development Research Unit:

www.saldru.uct.ac.za/income-comparison-tool/

It will reveal where you score (based on your income) compared to other South Africans. You simply capture one or two figures and it will show you on an easy to understand graph.

DEBT REVIEW SCHOOL If you pay your debts yourself (not via a PDA) never miss payments of your Debt Counsellors monthly fees

ARE YOU TRAPPED IN DEBT REVIEW?

ADVERTISING TIPS

IMPACT REPORT ON NCA AMENDMENTS

DTI PLANNING NEW NCA REGULATIONS

SERVICE DIRECTORY

DISCLAIMER Debtfree Magazine considers its sources reliable and verifies as much information as possible. However, reporting inaccuracies can occur, consequently readers using this information do so at their own risk. Debtfree Magazine makes content available with the understanding that the publisher is not rendering legal services or financial advice. Although persons and companies mentioned herein are believed to be reputable, neither Debtfree Magazine nor any of its employees, sales executives or contributors accept

any responsibility whatsoever for their activities. Debtfree Magazine contains material supplied to us by advertisers which does not necessarily reflect the views and opinions of the Debtfree Magazine team. No person, organization or party can copy or re-produce the content on this site and/or magazine or any part of this publication without a written consent from the editorsâ&#x20AC;&#x2122; panel and the author of the content, as applicable. Debtfree Magazine, authors and contributors reserve their rights with regards to copyright of their work.

C O N T E N T S

ARE YOU

TRAPPED IN DEBT REVIEW

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ARE YOU TRAPPED IN DEBT REVIEW? Debt review is an amazing process that allows consumers to deal with their debt in a dignified and realistic manner each month. For many it has literally been a lifeline to sanity and the opportunity to get their life back on track. Some consumers who have entered debt review have found that starting the process is much easier than ending it. Most consumers suddenly face 5 years of regular debt repayments without interruption after many, many years of inconsistent debt repayment behavior. This can be a real challenge. Leaving debt review* is especially tricky if someone wants to leave the process before they have repaid all their debts. this article we are using the terms debt review, debt counselling and debt * Inrestructuring interchangeably even though each term has slightly different connotations.

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ARE YOU TR APPED IN DEBT REVIEW?

SHOULD YOU LEAVE DEBT REVIEW? You may wonder why someone in financial difficulty, who has found this brilliant system of repaying their debts, may want to leave the process before all their debts are paid up. First, let’s consider who may want to leave debt review and why? Some consumers have chatted to Debt Counsellors over the phone and have asked for a debt review not realizing that the Debt Counsellor would be obliged to inform the National Credit Regulator (NCR) that they had done so. The NCR in turn notifies all the credit bureaus that the person has asked for a review of their debt and the various credit bureaus put what is called a ‘debt review flag’ on the person’s profile. This flag unfortunately scares credit providers who worry that if they give someone with such a flag on their credit report credit it may be considered legally reckless. Credit providers can be fined up to R1 million for granting reckless credit. So, most simply cut off such a consumer’s access to credit until that flag is removed.

Other consumers who start the process find that they cut their expenses and later begin to earn more. Their partner may get work whereas before they were unemployed or their business may begin to be profitable and suddenly they have as much or more money that they used to have before debt review. Such consumers may then want to leave the debt review process so they can â&#x20AC;&#x153;get on with their livesâ&#x20AC;?. They may feel that they would like to go back to how things were when they could use their credit cards, store cards and over draft. Another group of consumers who have entered debt review may, in confusion, decided to forego the services of a Debt Counsellor so that they could, in their confused thinking, save a little money on fees each month. They start to pay their credit providers the reduced amount as per the debt restructuring plan each month but not their Debt Counsellor. Eventually, such consumers may think that they have paid up all their debts and are ready to reenter the credit market. At that point they then struggle to get the credit bureaus to remove the debt review flag because they do not have a Debt Counsellor anymore. Other consumers began debt review a long time ago but were unable to keep up regular debt repayments. They may have had unfortunate events prevent them from repaying their debts for a month or two or may have lost their job during the process. This meant that they did not stick to their debt restructuring court orders for debt review and dropped out of the process. It is estimated that there may be as many as 600 000 consumers in one of these situations. When all these consumers try to use credit again, they soon find that because the credit bureaus have them listed as being under debt review they cannot get access to credit. They may then run back to their former Debt Counsellor, a new Debt Counsellor, to the NCR or into the waiting arms of someone who offers to remove their debt review status in an online advert/ facebook page.

ARE YOU TR APPED IN DEBT REVIEW?

CAN YOU LEAVE DEBT REVIEW? If you have started the debt review process and find that your financial situation has changed for the better then you may wonder if you can leave the process and begin paying all your debts as before. At present, the Act makes provision for consumers in debt review to pay up all their smaller debts and vehicles then leave the process with only a bond left. If this is your situation then speak to your Debt Counsellor about how to do this safely. If you still have lots of debt, then ask yourself why you want to lose all the benefits of debt review. No more reduced interest rates, no more reduced monthly repayment amounts. Account fees and charges would be added again meaning that you will pay so much more for your debts. It is a bad financial decision that will cost you a lot. For most consumers the debt review flag showing at the credit bureaus means they cannot get access to more debt. They may have failed to learn from their past mistakes of taking on more and more debt over time until they couldnâ&#x20AC;&#x2122;t cope. They may want to start down that dark path again. The debt review status at the credit bureau stops them from doing so. They become desperate to take on more debt again.

ARE YOU TR APPED IN DEBT REVIEW?

CAN THE COURTS GET ME OUT OF DEBT REVIEW? Consumers in different provinces have headed to court to ask the courts to rule that they are no longer over indebted and do not need debt review. Different courts across the country have given many different rulings. Some courts, like in the Western Cape and KZN, have told consumers they are not able to help because the National Credit Act only says a court can call a person over indebted so they can qualify for debt counselling and it does not say they can declare someone “not” over indebted. Other courts have said it was fine and made orders to say the person doesn’t need debt counselling anymore. Many courts have simply said they cannot make a ruling. Now a new important High Court case has given clarity on the subject which has been the topic of much industry debate over the years.

The court case was heard, in Gauteng, by a full bench of several judges and involved, among others, the National Credit Regulator (NCR), Mr Neil Roets of Debt Rescue (the Debt Counsellor), RCS, Edcon, Standard Bank, the Law Society of SA, the Banking Association. Two different consumersâ&#x20AC;&#x2122; matters were considered at the same time and expert witnesses (like Debt Counsellor Michelle Barnard) called in to present additional information.

The Ruling After hearing from all the experts and after considering the arguments the court was asked to answer a number of important questions about leaving debt review. The ruling, in effect, says that the High Court cannot say that someone is not over indebted once they have been declared over indebted by a Magistrates Court. Due to the way the National Credit Act never mentions such a situation, no High Court can rule that someone in debt review is no longer over indebted. It may be that the law was written specifically that way to create the situation where once a consumer starts debt review they have to finish the process. Obviously this traps many consumers out of the credit market. The ruling also says that unless someone questions the constitutionality of a person being trapped in debt review (at court) the situation will just have to continue as is. The ruling also says that if people want to change things then the lawmakers will have to change the National Credit Act. The courts cannot just work around the Act. One other interesting part of the ruling says that if a matter has not yet been heard by the Magistrates Court and if the consumerâ&#x20AC;&#x2122;s situation changes a lot then the Magistrates Court could be given new information that proves they are not over indebted. The ruling did not however mention the credit bureaus and if they would have to remove the flag.

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KIM ARMFIELD

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Did you know that Debt Mediation can be done legally? Contact us to find out how. Tel: 021 949 1758 | 084 702 3760 info@legalwc.co.za | w w w.capeat torney.co.za

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WHAT DOES THIS MEAN? The ruling means that for consumers who are in the process and paying each month, if they want to leave the process they have two ways to do so: (1) pay up your smaller debts and leave with only your bond to pay or (2) pay up all your debts and get a clearance certificate from a Debt Counsellor. For those who dropped out of the process, it means they cannot simply pay some random attorney to miraculously remove their debt review status. There are many such scams out there with unscrupulous people preying on vulnerable people. They should steer clear of such scams. They have to make the effort, as and when they can, to pay off all their debts and then eventually get a Debt Counsellor who will help them with a clearance certificate once they have done so. This will be a very long and hard journey. Others who do not pay off their debts will find they will still be considered legally over indebted and that (for now) the credit bureaus will not remove the debt review flag. Credit providers will probably continue to deny them credit even if they could realistically afford it. They are essentially trapped.

ARE YOU TR APPED IN DEBT REVIEW?

TRAPPED! For consumers who are thinking about entering debt review this means that you need to make sure that if you start the process you are 100% committed to sticking to the process. Be careful of committing to an official debt review over the phone as it could come back to bite you. You should ask anyone who calls to clearly explain if you are applying for help or simply receiving information about the process and how it works. Debt Counsellors need to make sure that they inform consumers of the serious and lasting nature of making the request for a debt review. It is not something to be taken lightly. If consumers enter the process too easily they may mistakenly feel they can leave the process as easily. If they later find out that they have to stick to the process or face being cut off from credit indefinitely they may feel cheated or that you failed to inform them. Many Debt Counsellors worry that they should try get consumers signed up the process as quickly as possible and prioritize this over making absolutely sure that the consumer will follow through. They may be incentivized to do so due to commission structures etc. Some larger firms may need to rethink how they operate given this ruling. Many consumers have a type of buyerâ&#x20AC;&#x2122;s

remorse and fail to follow through without being helped to clearly see the benefits over and over again. Now more than ever it seems it is time to only bring people on board who will complete the process. Credit providers should be increasingly wary of issuing 86(10) terminations as it may now mean they end up trapping consumers in limbo unable to ever become a customer again in a time when banks are desperate to retain clients. For those who already dropped out the process, perhaps even years ago, they should avoid been scammed for fees for any â&#x20AC;&#x2DC;debt review status removalâ&#x20AC;&#x2122; services. This ruling makes it clear that such services cannot work. These consumers should rather focus on finally repaying their debts. If they do not pay off these existing debts then they will continue to be considered over indebted and be locked out of accessing new credit. It seems that the NCR and DTI need to seriously consider making amendments to the National Credit Act to help the many hundreds of thousands of consumers who are trapped outside the credit market. Changes have been made to the Act in the past to allow consumers to leave debt review without being trapped in the process for 30 years with a bond. Perhaps new changes could be made to address this issue. For now, if you have entered debt review it seems that the only way out is through.

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ADVERTISING TIPS Are you spending a lot of money on advertising and having little or no success getting more sales? While the availability of funds in a downturn economy is an influencing factor, people are still shopping for products and services during hard economic times. Advertising is meant to influence consumers who are ready to spend, to choose your service or product over that of your competitor. Back in 2007, the Washington Post arranged for a man in a rather non descript jersey and baseball cap to stand in a grimy corner of a train station in Washington DC. He stood next to a garbage bin and after setting out his violin case to collect tips, began to play for around 45 minutes. Almost 1000 people passed him by that morning on their way to work. Some sat nearby and had their shoes shined or bought items at a shop. Seven people stopped to listen during that time. Some dropped in tips amounting to $35 but nearly a thousand others simply walked right by. Why is this interesting? Well, two weeks before the same man, Mr. Joshua Bell performed at the Symphony Hall in Boston. He wore the traditional black suit, and the excited crowds were all prepared to pay $100 each to hear him play. The hall was packed. Mr. Bell is known as a brilliant violinist, his performance has been described by some as telling “human beings why they bother to live”. In both locations, Bell played the same songs. The man was the same, the instrument was the same and the music was the same. The different was the environment or what marketing people call ‘context’.

ADVERTISING TIPS

CONTEXT People in a grimy train station do not expect to hear a world famous, brilliant, concert violinist, so they walked right past. In contrast, people heading to a fancy concert theatre are expecting only the best performances and are willing to pay for the pleasure. The Washington Post organized the experiment in order to discern if the context in which we are exposed to something really matters or not. They were expecting a different result but the marketing world learnt a lot from the outcome. When advertising, it is important to realize that sometimes what you say, is not as important as where you say something. For example, you may pay a lot to advertise aâ&#x20AC;Ś debt counselling service in totally the wrong place and be disappointed that no one comes running to make use of your fantastic debt solution. Keep this in mind when investing in online advertising as well, simply having a lot of people see your advert is no guarantee that they will respond. They need to see your advert in the right place, and in association with other similar products and services.

If we see an advert for a service or product in a place we associate with value and relevance, then we are more likely to pay attention to it. For example, advertising your Debt Counselling firm in the service directory listing of a magazine all about debt, debt counselling and debt review, as opposed to in a magazine about fly fishing. The same person could see both adverts in both magazines, but will allocate more credibility to an advert in an associated industry magazine. Our brains also come into play, and can (amazingly) trick us into appreciating something more or less, given the context. Researchers have found that people who paid more for a bottle of wine (the same bottle) actually enjoyed the wine more than those who paid less. Those paying less had their brains tell them that since the wine was cheap, it was better than expected but not great. Those paying a lot for it found they genuinely enjoyed the wine. Their brain had primed them to expect a better taste before they had even taken a sip. The researchers say that they became predisposed to enjoying the wine before tasting it. Of course, the best marketing practice is to have clear, catchy advertising (content) that is presented to people at the right time and place (context). So, for the best results from advertising, be sure to balance your great content with the right context.

www.collectnetpda.co.za

KIM ARMFIELD

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When debt review clients don’t pay they put your entire practice at risk! We make sure you get paid for the work you’ve already done! Tel: 021 949 1758 | 084 702 3760 info@legalwc.co.za | w w w.capeat torney.co.za

DEBT REVIEW SCHOOL Do you know the name of your attorneys who are HELPING with your debt review? If not, find out!

GOVERNMENT IMPACT REPORT REVEALS MASSIVE ISSUES WITH NEW NCA AMENDMENTS The President recently signed a new set of amendments to the National Credit Act. Although we are yet to find out exactly when they will come into effect, they already form part of South Africaâ&#x20AC;&#x2122;s legislation. The new laws impact on how debt review is done, and also make provision for consumers with smaller debts to get debt counselling from the National Credit Regulator (called Debt Intervention). When a new law will possibly have a big affect on the economy, then Government calls for a Socio-Economic report to see what could result if the new laws were passed. The results are normally discussed by Parliament and the President and from time to time the public.

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ISSUES WITH NEW NCA AMENDMENTS

WHAT CHANGED? If “Debt Intervention” is just debt review, which has been around for years, then what’s the big deal? While debt intervention IS just debt review (done by the National Credit Regulator for people who earn less than R7500 and with less than R50 000 unsecured debt) it does have 2 big differences:

Difference #1

The NCR (and later courts) encouraged Debt Counsellors not to take on clients who did not have income to pay back their debts (even though the NCA did not specify this about debt review). They also regularly encourage Debt Counsellors to try to get consumers to repay their debts within 60 months, which is popular with many credit providers. The NCR themselves will be taking on such matters for consumers who qualify, and donâ&#x20AC;&#x2122;t have income or enough to repay debts now. They will make use of the provisions in the NCA which allow repayments to be postponed for a while. This allows these consumers to start to earn more income, but means credit providers must wait for funds, and cannot take them to court in the interim.

Difference # 2

Debt Intervention could see consumers, who cannot make debt repayments for many years, eventually have some of their debt written off. The credit providers feel very nervous about this, since the debt they offer to bank clients is their property, as well as that of their savings clients. Debt write offs may equate to expropriation of property without compensation.

ISSUES WITH NEW NCA AMENDMENTS

WHY DEBT INTERVENTION IF DEBT REVIEW ALREADY EXISTS? The NCR has recommend a set of fees for Debt Counsellors to charge. Many politicians and perhaps the DTI seem to think these fees are expensive (even though they are built into the process over many months and are only what the consumer can afford). The NCR also recommend that Debt Counsellors try to settle debts within 60 months of people starting the process (eg. through DCRS). For consumers with little or no means, this could be impossible. The NCR and many courts (and credit providers of course) do not think that repaying debts for long periods of time (as is done in other countries, like the UK) is a good idea. So, they effectively encourage Debt Counsellors not to help such consumers. Even though almost 20% of people in debt review fit into this income and debt profile, the law makers and regulators are pretty sure that the new NCR offered service wonâ&#x20AC;&#x2122;t have much of an impact on the existing debt counselling industry.

ISSUES WITH NEW NCA AMENDMENTS

REPORT WARNS OF ISSUES Many have been concerned that taking away (writing off) the banks and their savings clients’ money may be unconstitutional, and will certainly make the banks and small credit providers scared of lending to the millions of consumers in this profile. One of the main concerns in the Report is that with NCR registered lenders raising rates for such consumers, or avoiding them, these consumers will soon be forced back into the arms of loan sharks. The Report also says that estimates on how much it is going to cost tax payers to fund the work of the NCR, have been massively underestimated. The figure they give is R407 million for the first year, and that will rise each years as the workload increases. While it is somewhat of a ‘cart before the horse’ situation, with the report being made public after the signing of the bill into Law by the President, the fact that the Report has come out with big concerns does not mean the Laws will not be put into effect. Almost all of the raised issues were already mentioned in consultation with the industry and public before the bill was

sent to Parliament. It simply highlights some of the major challenges that implementing the Law is going to create. At present, the DTI are looking at new and updated regulations in regard to the National Credit Act. These will help turn the idea of Debt Intervention into a reality, should the constitutionality of the amendments not be taken to court by concerned credit providers.

What if...

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DTI PLANNING NEW NCA REGULATIONS The Department of Trade and Industry (DTI) are responsible for the making regulations which help turn the ideas in the National Credit Act (NCA) into day to day processes. These regulations make it clear how certain sections of the NCA are applied. They provide forms and further information such as exactly how much may be charged for a service or what information is required in certain situations. For a long while, the industry has been calling for changes to be made to many of the existing NCA regulations and the addition of missing regulations to clear up some glaring issues. Over time as the industry has matured and new processes have been added (like dispute resolution or debt intervention). In many cases, further clarity is required to ensure that all parties cooperate with the intentions of the NCA. Recently, the DTI called on people working in the industry to give comments on a number of ideas they are talking about. They sent a list of the changes they are thinking of making to various regulations. The DTI have made it clear that this is just the start of a public consultation and conversation calling it an â&#x20AC;&#x2DC;informal platformâ&#x20AC;&#x2122; to have a good chat about their plans.

DTI PLANNING NEW NCA REGULATIONS

SOME OF THE DTIâ&#x20AC;&#x2122;S INTERESTING IDEAS It seems that, after years of asking, the DTI are finally thinking of changing the regulations to allow Payment Distribution Agents (PDAs) to take slightly longer to pay money over to credit providers once they get it from consumers. Why this is important is because it helps protect the PDAs from consumers who later reverse the debt review repayment for some reason. This can leave them out of pocket or paying extra costs. Due to the regularity with which this happens it has become a major issue for PDAs and even threatens their livelihood.

The DTI also want to make changes to ensure that people who enter debt review provide documentation to their Debt Counsellor about the information they give them. In a way, this might also protect consumers from simply having a phone conversation with someone and ending up registered as under debt review. One area of contention is in regard to the DTI wanting to make the non binding opinions of the National Credit Regulator (NCR) in regard to some forms, fees and the use of computer software by credit providers called DCRS into completely binding opinions. This would essentially mean that the NCR can issue their own laws without having to ask the industry, public, Parliament or even the DTI about them. This makes many people understandably nervous. Some people have however pointed out that many of the planned regulation changes have to pass through existing legal requirements or processes before they can be changed and cannot simply be done via public consultation or the DTI alone.

Die Republiek van

SKYT AFRICA Hi Almal, Nou ja dit is tyd vir die rugby Wêreldbeker en die dames moet maar verlief neem met manlief se tydige en ontydige afwesigheid alhoewel daar dames is wat ek ken wat ook vurige rugby ondersteuners is. Of die Bokke die knoop gaan deurhaak is n ope vraag, kan iemand die All Blacks stop? Die Noordelike halfrond spanne soos Ierland, Wallis en Engeland kan ook nie vlak gekyk word nie en die Franse is altyd onvoorspelbaar. Baie stoere rugby ondersteuners het die sokker Wêreldbeker gevolg, hoekom? Deels omdat dit net elke vierde jaar plaasvind, deels omdat dit n skouspel en uiters onvoorspelbaar is en omdat die wêreld se bestes teen mekaar meeding. Vir dieselfde redes sal menigte sokker aanhangers hierdie rugby skouspel volg, dit is net bitter jammer en betreurenswaardig dat die SABC so wanbestuur was dat hulle nie die finansiële vermoë het om die wedstryde

te beeldsaai of selfs oor die radio uit te saai nie. Die gevolg is dat die geleentheid wat homself voorgedoen het om ons as n verdeelde nasie weer saam te snoer verlore is. Mag die beste span wen, veral as dit die Bokke is! Daar was onlangs twee verbruikers wat hulle tot die hof gewend het om onder skuldberading uit te kom. Die hof het teen hulle beslis, ek wil geensins die meriete of die regstegniese aspekte hiervan aanraak nie maar eerder hoekom die verbruikers hulle tot die hof gewend het. Die een het aangevoer dat hy na 12 maande finansieel weer op sy voete kon kom en die ander na 18 maande. Dit beten nie hulle was in staat om hul skuld af te los nie maar in staat was om voort te gaan met hulle normale paaiemente. Wat egter nie duidelik is nie is wat het daar toe aanleiding gegee dat hul situasie verbeter het nie. Was dit die feit dat hulle in die periode wat hulle onder skuldberading was nie verdere skuld kon aangaan nie, was dit die

feit dat hulle onder skuldberading die nodige verligting kon geniet om sake om te draai of was daar n ander rede? Dit is goed en wel om na die bestek van onderskeidelik 12 en 18 maande hof toe te gaan en skuldberading te beveg maar wat sou gebeur het in hierdie periode sonder die beskerming van skuldberading? Sou elke skuldeiser, en ek lĂŞ die klem op elke skuldeiser, hulle op die boeke gedra het sonder enige gevolge? Hou ingedagte dat finansiĂŤle instellings voorsiening moet maak vir slegte skuld en enige rekening wat drie maande of meer agterstallig is moet as slegte skuld verklaar word. Hoogs onwaarskynlik. Skuldberading is nie n quick fix nie, dit is n proses en geensins n maklike proses nie. Ek wil dit amper vergelyk met n wĂŞreldbeker rugby span, hulle bou vier jaar aan die proses om teen die bestes mee te ding, jy kan nie n jaar of twee voor die tyd begin planne beraam en span bou nie. Skuldberading wat as n korttermyn oplossing gesien word gaan faal. Die groot probleem van hierdie twee persone blyk te wees is dat hulle nie, terwyl hulle onder skuldberading is skuld kan aangaan nie. Was daar n les geleer terwyl hulle onder skuldberading was? Duidelik nie. Tjorts op die Bokke! Groete, Christo

Christo Hattingh Kyk gerus my LinkedIn profile: https://www.linkedin.com/in/christo-hattingh-351a52130/ * Seriously please do let us know if you found this article to be funny/offensive/amusing/interesting feedback@debtfreedigi.co.za

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