Leave to Appeal - Collett vs FRB Constitutional Court Application

It is time for magistrates to support the DR process.
It is not only the consumer who are the pig in the story, because the creditors is 50%, and in some cases 90% guilty of the over indebtedness of the consumer.

The creditors cry wolf and receive the co-operation of the judicial system.

The already over-indebted consumer has to pay the price and defend his possessions in High Court with an enormous amount of money which does not benefit the rest of the creditors and which the consumer cannot afford.

Debt Counsellor, make a note of the guilty Banks and inform your clients regarding the way they treat their clients when they in need,leave then,the decision to the consumer where to open a savings account for the DR process.
We might find the consumer will NOT open a savings account with that bank. At the end, the Bank have much more to lose.

If the court will not support the DR system SA banks and creditors will follow the same path as America and close their doors, because they will definitely not receive payment on their debt.

Creditors might have the authority to sell all the consumer's possessions, but if he is left with no possessions, what else will they sell if the consumer loses his/her job as well to regain the outstanding amounts.

Peoples houses is repossessed, therefore the consumer, have to rent a home for R1000 maybe less than the bond repayment, plus repay the outstanding debt on the bond? Less money for the other creditors and a longer re-repayment period on the debt which the other creditors will not accept?

How is the consumer helped with the debt review in South Africa? Did it became a joke to the outside world and a curse word to the already over-indebted consumer?