{"id":5500,"date":"2016-11-04T15:25:13","date_gmt":"2016-11-04T13:25:13","guid":{"rendered":"https:\/\/stbb.co.za\/dev2\/?p=5500"},"modified":"2019-12-17T15:38:46","modified_gmt":"2019-12-17T13:38:46","slug":"property-law-update-issue-40-2016","status":"publish","type":"post","link":"https:\/\/stbb.co.za\/dev2\/property-law-update-issue-40-2016\/","title":{"rendered":"Property Law Update | Issue 40 &#8211; 2016"},"content":{"rendered":"<h2>DEBT RE-ARRANGEMENT CANNOT AMEND INTEREST RATE<\/h2>\n<h3>Nedbank Limited v Jones and Others (24343\/2015) [2016] ZAWCHC 139 (12 October 2016)<\/h3>\n<p>In a judgment with some twists, the Court confirmed that where over-indebted consumers are assisted by Magistrates&#8217; Courts to enter into debt re-arrangement plans, this may not include an adaptation of the agreed interest rate. In this instance the Magistrate erroneously did just that, and lowered the instalment amount, resulting in a debt that could never be paid off. The judgment was void, but what was the impact of the fact that the bank&#8217;s application for rescission came five years after the Magistrate&#8217;s order?<\/p>\n<p><strong>read more<\/strong><br \/>\n<a href=\"http:\/\/www.saflii.org\/za\/cases\/ZAWCHC\/2016\/139.html\"><span style=\"color: #e66a21;\">The Judgment<\/span><\/a><br \/>\n<a href=\"https:\/\/stbb.co.za\/dev2\/wp-content\/uploads\/stbb_plu40-2016_s1.pdf\"><span style=\"color: #e66a21;\">Summary of the Judgment<\/span><\/a><\/p>\n<p>&nbsp;<\/p>\n<h2>DEBTOR IN DEFAULT: DELAY TACTICS WON&#8217;T WORK<\/h2>\n<h3>De Villiers v Human and Another (236\/2016) [2016] ZAECGHC 85 (22 September 2016)<\/h3>\n<p>It is most infuriating for a lender to be met with a borrower&#8217;s insufficient defence when payment becomes due. A strong weapon in the hands of a creditor is to invoke the summary judgment procedure promptly after the debtor indicates his intention to defend the claim. Summary judgment is a unique procedure where a court may grant a final order against a debtor in a defended action without having to go to trial. The judgment here illustrates the workings of this mechanism.<\/p>\n<p><strong>read more<\/strong><br \/>\n<a href=\"http:\/\/www.saflii.org\/za\/cases\/ZAECGHC\/2016\/85.html\"><span style=\"color: #e66a21;\">The Judgment<\/span><\/a><br \/>\n<a href=\"https:\/\/stbb.co.za\/dev2\/wp-content\/uploads\/stbb_plu40-2016_s2.pdf\"><span style=\"color: #e66a21;\">Summary of the Judgment<\/span><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>DEBT RE-ARRANGEMENT CANNOT AMEND INTEREST RATE Nedbank Limited v Jones and Others (24343\/2015) [2016] ZAWCHC 139 (12 October 2016) In a judgment with some twists, the Court confirmed that where over-indebted consumers are assisted by Magistrates&#8217; Courts to enter into<\/p>\n","protected":false},"author":36,"featured_media":3176,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_exactmetrics_skip_tracking":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[109],"tags":[],"class_list":["post-5500","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-property-law-update"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Property Law Update | Issue 40 - 2016 - STBB<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/stbb.co.za\/dev2\/property-law-update-issue-40-2016\/\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Maryna Botha\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/stbb.co.za\\\/dev2\\\/property-law-update-issue-40-2016\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/stbb.co.za\\\/dev2\\\/property-law-update-issue-40-2016\\\/\"},\"author\":{\"name\":\"Maryna Botha\",\"@id\":\"https:\\\/\\\/stbb.co.za\\\/dev2\\\/#\\\/schema\\\/person\\\/623606b2022560795816523a4fd0bfec\"},\"headline\":\"Property Law Update | Issue 40 &#8211; 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